Issuu

In This Issue 34

Banking, Investment and Financial Services

Banking on Change: New Lending Models and Frameworks for T&T

NIGEL BAPTISTE, President and Managing Director, Republic Bank Limited; President, Bankers Association of Trinidad & Tobago (BATT)

Energy and EnergyRelated Industries

Beyond the Barrel: Securing T&T’s Energy Future

Chairman Richard Lewis Directors Patricia Lewis Marie Gurley

DR PRIYA MARAJH, President/CEO, The Energy Chamber of Trinidad and Tobago, (The Energy Chamber)

Information and Communications Technology

Advertising Sales Patricia Lewis Marie Gurley Michelle Nunes Somnier Robles Feliciano Soraya Gonsalves Vanessa Ramtahal

T&T Telecoms: Connectivity Provider to Digital Partner

Edited by Natalie Dookie Layout Shayam Karim Laird Raymond

SIMONE MARTIN-ŠULGAN, Vice President and General Manager, Flow Trinidad and Tobago

114

Engine of Diversification: T&T Manufacturing Fuels a New Era of Growth

Automotive, Aviation and Shipping Services

Construction and Engineering

Education, HR and Professional Services

Healthcare and HSE (Health, Safety, Environment)

100

Insurance

EMIL RAMKISSOON, President, Trinidad and Tobago Manufacturers’ Association (TTMA)

General Manager Gillian Henderson Assistant Vanessa Ramtahal

Manufacturing and Retail Distribution

PRESTIGE BUSINESS PUBLICATIONS LTD. 15 Mucurapo Road, St. James, Port of Spain, Trinidad, W.I. Tel: (868) 622-0738/9 Mobile: (868) 706-4650 Email: info@whoswhotnt.com Web: www.whoswhotnt.com

122

Real Estate, Property Management and Security Services

Writers Amy Li Baksh Kay Baldeosingh-Arjune Dixie-Ann Belle Janelle De Souza Natalie Dookie Tyrell Gittens Andrew Hosein Kieran Andrew Khan Bavina Sookdeo Sheldon Waithe Produced and Created by Prestige Business Publications Ltd. Printed by The Office Authority Limited Annual Distribution 6,000 copies Copyright© 2026 PRESTIGE BUSINESS PUBLICATIONS LTD. All rights reserved

Our Business Partners Health City Cayman Islands............. Outside Back Cover GAC Caribbean..................................Inside Front Cover Courts Trinidad & Tobago............................................. 1 MegaBrite Industries Limited........................................ 3 M&M Insurance Broking Services Limited...................... 5 Telecommunications Services of Trinidad and Tobago (TSTT) / bmobile........................................................... 7 Pan-American Life Insurance Group (PALIG)................. 9

Associations and Chambers

The Supermarket Association of Trinidad and Tobago (SATT)....................................................................... 16 The Chaguanas Chamber of Industry and Commerce (CCIC)...................................................................... 17 The Human Resource Management Association of Trinidad & Tobago (HRMATT)....................................... 21 Trinidad and Tobago Group of Professional Associations Limited (TTGPA)..................................... 21 Trinidad and Tobago Fair Trading Commission (TTFTC)..................................................................... 22 United Way Trinidad and Tobago (UWTT)..................... 23 The Institute of Chartered Accountants of Trinidad and Tobago (ICATT)............................................... 24,25

Automotive, Aviation and Shipping Services

Airports Authority of Trinidad and Tobago.................... 28 E-Finance & Development......................................... 29 Sixt Trinidad & Tobago................................................ 30 Southern Sales & Service Mobility (SSS Mobility)......... 31 Intelligent System Design Company (SWiFTrack)......... 31 The CCA Group/Cargo Consolidators Agency Limited. 33 Tropical Express Couriers........................................... 33

Banking, Investment and Financial Services

Guardian Group................................................... 36,37 Republic Bank Limited.......................................... 38,39 Scotiabank Trinidad & Tobago Limited...................40, 41 CIBC Caribbean........................................................ 42 E-Finance & Development......................................... 43 Export – Import Bank of Trinidad & Tobago Limited (EXIMBANK).............................................................. 44 Island Finance Trinidad & Tobago Limited................... 45 Trinidad and Tobago Unit Trust Corporation (UTC)....... 46 Caribbean Finance Company Limited......................... 47

Trinidad and Tobago Police Credit Union (TTPCU)........ 48 Trinidad and Tobago Mortgage Bank (TTMB)................ 49 Andersen ................................................................. 50 Aspire Fund Management ......................................... 50 Institute of Banking and Finance of Trinidad and Tobago (IBF).............................................................. 51 Funds International Limited....................................... 51 KCL Capital Market Brokers Limited............................ 52 Bankers Association of Trinidad and Tobago (BATT)...... 52 The Trinidad Building & Loan Association (TBLA)......... 52

Construction and Engineering

Homework Design Studio.......................................... 56 The National Insurance Property Development Company Limited (NIPDEC)....................................... 57 Amsha Engineering Limited........................................ 58 Benca Process & Engineering Solutions Limited.......... 58 O.J.’s Electrical & Instrumentation Services Limited..... 59 Prolas/Prolas Homes................................................. 59 Bextronics Limited..................................................... 61

Education, HR and Professional Services

College of Science, Technology & Applied Arts of Trinidad & Tobago (COSTAATT)................................... 64 NESC Technical Institute............................................ 65 The University of the West Indies, St. Augustine Campus (UWI).......................................................... 66 Eve Anderson Recruitment Limited/Caribbean Resourcing Solutions/Aegis Business Solutions .......... 67 Eastman & Associates Limited................................... 68 Regency Recruitment & Resources ............................ 68 SWF&Co / Sandra Welch-Farrell & Company.............. 69 Core Trinidad Limited................................................. 69 HRIZONS.................................................................. 70 Advance Commercial Equipment Limited................... 71 Belgroves Funeral Home Company Limited................. 72 London Caribbean.................................................... 73 Trinidad & Tobago Special Economic Zones Authority (TTSEZA)................................................................... 73

Energy and Energy-Related Industries

B.L.I.S.S. Safety Store................................................ 76 HHSL Safety Systems Limited.................................... 77 Marine Consultants (Trinidad) Limited........................ 78

Our Business Partners continued Offshore Innovators................................................... 79 RelyOn...................................................................... 80 The Power Generation Company of Trinidad and Tobago Limited (PowerGen)....................................... 81 Capital Signal Company Limited................................ 83 Trinidad Project Management Services Limited (TPMSL).................................................................... 83

Healthcare and HSE (Health, Safety, Environment)

Medcorp Limited....................................................... 86 Renew Star Serpentine Limited.................................. 87 Equilibrium Environmental Services Limited............... 88 LSA Healthcare Services Limited/Eltina’s Distributors Limited/Share Dignity Foundation............................... 88 Medcorp Limited/St. Clair Medical............................. 89 Sygma Environmental................................................ 89 CSA Ocean Sciences ................................................ 91 Medcorp Limited/Goodhealth.................................... 91

Information and Communications Technology 92 Liberty Caribbean (FLOW)/Liberty Business/ Amazon Web Services (AWS)................................94, 95 AMPLIA Communications Limited.............................. 96 GISCAD Group Limited.............................................. 97 Telecommunications Authority of Trinidad and Tobago (TATT)............................................................ 98 Amaranth Business Solutions Limited........................ 99 All Networks.............................................................. 99

Articles Reimagining the Berth: Port of Spain Redevelopment Opportunities............... 32 From Accumulating Wealth to Protecting It: A Practical Guide for Generational Planning in T&T...... 53 Transcending Borders: Positioning T&T Firms to Lead Caribbean Construction Exports................................................. 60 The Future of Exports: Will Not Fit in a Container......... 70 Rising to the Challenge: T&T’s Clean Energy Evolution...................................... 82 Safeguarding Our Future: Environmental Resilience in T&T................................. 90

Insurance

100

Agostini Insurance Brokers Limited (AIB)................... 102 Beacon Insurance Company Limited........................ 103 Cardea Benefits Limited.......................................... 104 Furness Group of Companies.................................. 105 Gallagher Insurance Brokers ................................... 106 Genesis Insurance Brokers & Benefits Consultants Limited/Aon......................................... 107 NAGICO Insurances ............................................... 108 Raphael Teeluck Financial Legacy Services Limited... 109 The New India Assurance Company (Trinidad & Tobago) Limited...................................... 110 Universal Insurance Brokers Limited......................... 111 Bayshore Finance/Solis Credit................................. 112 CIC Insurance Brokers Limited................................. 113

Manufacturing and Retail Distribution

114

LH Group/The Pouch Company.........................116, 117 Courts Trinidad & Tobago/Unicomer Group/Unicomer (Trinidad) Limited...................118, 119 S&S Persad Group of Companies/S&S Persad Supermarket........................................................... 120 Office Authority....................................................... 121

Real Estate, Property Management and Security Services 122 Broadview Surveillance Systems Limited.................. 124 1 On 1 Realty Limited............................................... 125 Association of Real Estate Agents (AREA)................. 125

Publisher’s Note

Unlocking Growth in Changing Times RICHARD LEWIS, Chairman, Prestige Business Publications Limited

s we present this year’s edition of the “Who’s Who in Trinidad and Tobago Business”, I am filled with profound optimism. In today’s dynamic environment, our theme, “Unlocking Growth in Changing Times,” resonates deeply with the resilience and ingenuity found within our private sector. The journey of growth is not just about overcoming challenges; it’s also about fostering confidence in our business community. In this context, our tagline, “It’s not who you know, it’s who knows you”, takes on special significance. Building a strong network and personal brand is crucial as we adapt to changing landscapes. The ability to connect with others and create lasting relationships can be the key differentiator that unlocks opportunities for growth.

As we continue to serve as the definitive resource for businesses and professionals, both in print and online, we aim to empower our readers to cultivate their connections and expand their influence. This magazine highlights not only the accomplished individuals and companies in Trinidad and Tobago, but also the stories and successes that inspire and connect us all. Let us embrace the changing times with a spirit of innovation and determination. Together, we can unlock new avenues for growth and success. Thank you for being a part of this journey.

Contributors COLLEGE OF SCIENCE, TECHNOLOGY AND APPLIED ARTS OF TRINIDAD AND TOBAGO (COSTAATT) DESMOND DOUGALL Co-Founder and CEO GISCAD Group Limited

EMIL RAMKISSOON

President Trinidad and Tobago Manufacturers’ Association (TTMA)

ENVIRONMENTAL MANAGEMENT AUTHORITY (EMA) DR. HASSINA MOHAMMED

President Trinidad & Tobago Medical Association (T&TMA)

IAN COX

President Association of Professional Engineers of Trinidad and Tobago (APETT)

KANDICE CUNHA-THOMPSON

CEO, Eve Anderson Recruitment Limited President, Trinidad and Tobago Organisation for Recruitment Service Providers (TTORSP)

NIGEL BAPTISTE

President and Managing Director, Republic Bank Limited President, Bankers Association of Trinidad & Tobago (BATT)

OTIS MURRAY

Head of Investments and Asset Management KCL Capital Market Brokers Limited

DR. PRIYA MARAJH

President/CEO The Energy Chamber of Trinidad and Tobago (The Energy Chamber)

RAMESH LUTCHMEDIAL

Aviation Consultant Former Director General, Trinidad and Tobago Civil Aviation Authority (TTCAA)

SALLY SINGH

President Association of Real Estate Agents (AREA)

SECRETARIAT

Trinidad and Tobago Coalition of Services Industries (TTCSI)

SHARON BYNOE

General Manager NAGICO Insurance (Trinidad and Tobago) Limited

SHIRAZ AHAMAD

Executive Director Southern Sales and Service Company Limited

SIMONE MARTIN-ŠULGAN

Vice President and General Manager Flow Trinidad and Tobago

VIJAY GOSYNE

Chairman NIPDEC (National Insurance Property Development Company Limited)

Messages

Supporting the Businesses that Build Our Nation

I SENATOR THE HONOURABLE SATYAKAMA MAHARAJ Minister of Trade, Investment and Tourism

t is my pleasure to contribute to the 2026–2027 edition of “Who’s Who in Trinidad and Tobago Business”, a publication that continues to showcase the enterprises, leaders and innovators contributing to our nation’s economic development. Each edition of “Who’s Who in Trinidad and Tobago Business” recognises the enterprises and leaders shaping our economy today. It also provides a glimpse of those with the potential to shape its future.

The Ministry of Trade, Investment and Tourism is, in practical terms, Trinidad and Tobago’s Ministry of Business. We work with established companies, emerging entrepreneurs, exporters, investors and industry organisations to create the conditions in which enterprise can start, grow and compete. Our role extends across the full business journey: facilitating trade, attracting and enabling investment, growing tourism, supporting local enterprise and safeguarding confidence in the marketplace. We deliver these services through the Ministry and its agencies, working in close collaboration with the private sector. Trade Facilitation for Growth Through the Trade Directorate, TTBizLink and the exportdevelopment arm of GlobalTT, we help businesses navigate regulatory requirements, access government services, strengthen their export readiness and enter new markets. TTBizLink, Trinidad and Tobago’s Single Electronic Window, brings critical trade and business services together through one digital platform, making it easier for companies to conduct business with Government. GlobalTT works directly with exporters to build capacity, identify market opportunities and connect locally produced goods and services with regional and international buyers. Our work within the creative industries similarly recognises the economic value of local talent and intellectual property and the potential of our creators to develop sustainable businesses with global reach. Non-Energy Investment Centre The Ministry’s Investment Directorate and GlobalTT guide investors through the opportunities, approvals and partnerships required to establish and expand operations in Trinidad and Tobago. The Trinidad and Tobago Special Economic Zones Authority (SEZA) supports this work by developing a modern framework for investment within designated economic zones and encouraging value-added production, exports, innovation and employment. Together, these services help move investment from initial interest to implementation while providing the aftercare necessary for businesses to remain, reinvest and expand. Tourism - A Key Pillar Tourism is business. It generates investment, employment and opportunities across accommodation, transportation, food, entertainment, culture, retail and community enterprise.

Through Tourism Trinidad Limited (TTL), we promote Trinbago as a distinctive and competitive destination. Through the Ministry’s Projects and Facilities Management Unit, we are improving the management and development of tourism sites and strengthening the environments in which tourism businesses and communities operate. Our focus is not only on increasing visitor arrivals. It is on developing a stronger tourism ecosystem, improving the visitor experience and ensuring that tourism creates sustainable opportunities for businesses and communities throughout the country. We Safeguard Confidence Sustainable business growth depends on trust: trust in the quality of goods and services, trust that consumers will be treated fairly and trust that businesses will compete on a level playing field. The Trinidad and Tobago Bureau of Standards (TTBS) supports quality, measurement and conformity with recognised standards. The Consumer Affairs Division promotes consumer protection and responsible business conduct. The Trinidad and Tobago Fair Trading Commission (TTFTC) helps safeguard fair competition. Together with the Ministry’s other regulatory and support bodies, these institutions strengthen confidence in our markets and protect the integrity of the business environment. Partnerships Empowering Growth This work cannot be undertaken by Government alone. The private sector understands first-hand the challenges businesses face and the opportunities available within individual industries. Meaningful collaboration allows us to design better policies, remove practical obstacles and respond more effectively to the needs of enterprises. Our commitment is therefore to remain accessible, responsive and focused on results. Whether a business is entering its first market, expanding production, seeking investment, developing a tourism product or improving its standards, the Ministry and its agencies must provide a clear pathway to support its progress. I commend the publishers of “Who’s Who in Trinidad and Tobago Business” for continuing to recognise the people and organisations contributing to our national development. I also congratulate the businesses featured in this edition. They represent the strength of enterprise in Trinidad and Tobago. Our task at the Ministry is to support their continued success and to help build the next generation whose names and achievements will fill these pages in the years ahead.

Ministry of Trade, Investment and Tourism Level 17, Nicholas Tower 63-65 Independence Square Port of Spain, Trinidad and Tobago Tel: (868) 623-2931–4; Email: mti-info@gov.tt Website: tradeind.gov.tt

Who’s Who In Trinidad & Tobago Business 2026-2027

THE HONOURABLE FARLEY CHAVEZ AUGUSTINE Chief Secretary

fter receiving a fresh mandate to govern in January, our Administration got straight down to Tobago’s business. First, we strategically expanded the Tobago House of Assembly (THA); a critical move designed to promote greater efficiency and delivery in line with the island’s evolving needs. Since then, the THA has continued to press on at full throttle, doing all within our collective power to drive development in Tobago. Every policy created and dollar spent is directed towards building a Tobago of distinction, one where progress reaches all Tobagonians. For Fiscal 2027, we have charted a pathway to prosperity, prioritising investment in ten (10) key areas including tourism, agriculture, and public infrastructure. In tourism, we are embracing a sustainable, communitybased model that has already proven successful in Castara. Indeed, we are confident that other communities with their own unique offerings can achieve similar success. Further, we are targeting at least a 7% increase in short stays in communities for 2027 and 30% by 2030. Additionally, as Tobago boosts its international connectivity, $10M is being committed to the buildout of the new terminal at the ANR Robinson Airport. This decision ensures micro enterprises have the right environment to thrive and Destination Tobago makes a solid first impression. Of course, Tobago also stands ready to welcome private investors for large-scale hotel ventures. On the agricultural front, we are advancing the Mega Farm Programme to enhance food sovereignty and also our export potential. Infrastructure will not be neglected, as plans are in train to update not only the island’s physical assets but also the Assembly’s digital infrastructure. It always feels too short to share all the exciting local initiatives unfolding; perhaps you will just have to see! Come and see Tobago reaching towards greatness in this new era of inclusivity, modernity, prosperity, and above all, increased autonomy.

Tobago House of Assembly (THA) Hochoy Charles Administrative Complex 62-64 Calder Hall Road Scarborough 900408, Tobago Tel: (868) 639-3421 Ext. 1 Fax: (868) 639-5374 Email: chiefsecretary@tha.gov.tt Website: tha.gov.tt

ANNA HENDERSON President

NIRAD TEWARIE Chief Executive Officer

rinidad and Tobago stands at a pivotal moment in its journey. While the challenges facing businesses and economies are real, so too are the opportunities for those prepared to innovate, collaborate, and adapt. The near-term outlook for the T&T economy is very positive. At AMCHAM T&T, we believe that long-term prosperity depends on creating an environment where businesses can invest with confidence, innovation can flourish, and partnerships drive meaningful progress. For more than three decades, we have worked alongside the public and private sectors to strengthen competitiveness, advocate for sound policy, and foster the relationships that support sustainable economic growth. As global markets continue to evolve, the ability to embrace digital transformation, artificial intelligence, and emerging technologies will increasingly define economic success. These innovations are not simply reshaping industries – they are creating new opportunities for investment, entrepreneurship, productivity, and regional leadership. As the Chamber that has long championed technology as a catalyst for growth, competitiveness, and national development, AMCHAM T&T remains committed to helping businesses navigate this evolving landscape. Our vision is for Trinidad and Tobago to become a more competitive, resilient, and innovation-driven economy – one built on trusted institutions, a modern business environment, continued investment in our people, and strong collaboration between government, business, academia, and civil society. Through our advocacy, thought leadership, strategic partnerships, work of our focused committees and flagship initiatives such as the Tech Hub Islands Summit (T.H.I.S.), our Health Safety, Security and Environment Conference, the Economic Outlook Event and our ESG Conference, to highlight just a few, we continue to bring together stakeholders to address real challenges and advance practical solutions. At the same time, we remain focused on strengthening the fundamentals that make Trinidad and Tobago an attractive destination for investment – from improving trade facilitation and supporting transparency and the rule of law to promoting a business environment that is predictable, responsive, and investor-friendly. The future will belong to those willing to embrace change, adapt effectively, and seize new opportunities. Together, we can position Trinidad and Tobago as one of the most competitive places to do business in the hemisphere - an economy that inspires confidence, attracts investment, and creates lasting prosperity. At AMCHAM T&T, our members are never alone; we provide the advocacy, insights, connections, and support needed to help businesses navigate change and succeed. We invite you to partner with us and discover the opportunities that await in Trinidad and Tobago.

American Chamber of Commerce of Trinidad and Tobago (AMCHAM T&T) 6 Scott Street, St. Clair Port of Spain, Trinidad Tel: (868) 252-1013/4; 252-1038 Email: inbox@amchamtt.com Website: amchamtt.com

Messages from leading business organisations across the world, the Chamber is advancing initiatives that strengthen collaboration among businesses, academia, government, and development partners to unlock new opportunities for innovation, productivity, and export growth. Our work with small and medium-sized enterprises (SMEs) remains particularly important. SMEs are the backbone of every successful economy, and through initiatives such as the Catalyst SME Conference, business matchmaking programmes, and sectorfocused interventions, we are helping entrepreneurs access the networks, knowledge, and opportunities needed to scale. KAREN YIP CHUCK President

DR. VASHTI G. GUYADEEN Chief Executive Officer

he business landscape is changing faster than at any point in recent history. Technology is reshaping industries, geopolitical shifts are redefining trade relationships, and businesses are being challenged to innovate, adapt, and compete in an increasingly interconnected world.

At its core, the Chamber’s mission is simple: to help businesses succeed. Whether through advocating for a more competitive business environment, opening doors to new markets, fostering strategic partnerships, or convening the conversations that shape national development, the Trinidad and Tobago Chamber of Industry and Commerce remains committed to delivering tangible outcomes for its members and the wider economy.

In this environment, businesses need more than representation. They need access to networks, intelligence, opportunities, and partnerships that can help them grow.

In a world defined by disruption and uncertainty, one thing remains clear. Growth does not happen by chance. It happens when the right people, ideas, and opportunities come together.

For almost 150 years, the Trinidad and Tobago Chamber of Industry and Commerce has served as the voice of business. Today, however, our role extends far beyond advocacy. We are building a platform that connects businesses to opportunities, influences policy, facilitates trade and investment, and helps companies navigate an increasingly complex operating environment.

That is the role of the Chamber. That is the value of membership. And that is the future we are helping to build.

Over the past year, the Chamber has intensified its focus on creating practical value for its members. Through monthly business-to-business meetings, international trade and investment engagements, targeted research, policy advocacy, and strategic partnerships, we are creating spaces where businesses can connect, collaborate, and grow. We have also begun laying the foundation for a new approach to business development in Trinidad and Tobago, one that focuses on building competitive business ecosystems rather than supporting firms in isolation. Drawing on international best practices and lessons

A CURTIS WILLIAMS President

s Tobago stands on the threshold of significant transformation, the island is poised to unlock unprecedented opportunities for growth and sustainable development. The Tobago Division of the Trinidad and Tobago Chamber of Industry and Commerce firmly believes that Tobago is now “waiting to exhale” into a new dimension of economic prosperity, particularly within the tourism sector.

Two major developments have created renewed optimism across the island - the opening of the new ANR Robinson International Airport Terminal and the environmental approval granted for the Marriott Hotel project. These landmark initiatives signal confidence in Tobago’s future and present a unique opportunity to reposition the island as a premier tourism destination within the Caribbean. However, infrastructure alone will not guarantee success. Tobago’s ability to capitalise on these investments will depend on strong collaboration among all stakeholders. The Tobago House of Assembly, the Central Government, the private sector and residents must continue working together to ensure that Tobago is fully prepared to seize the opportunities ahead. Encouragingly, the people of Tobago are already embracing a readiness mindset. Fishermen, farmers, taxi operators, tour guides, artisans and numerous support service providers recognise the potential benefits

Trinidad and Tobago Chamber of Industry and Commerce (T&T Chamber) Columbus Circle, Westmoorings P.O. Box 499, Port of Spain, Trinidad Tel: (868) 637-6966; Fax: (868) 637-7425 Email: chamber@chamber.org.tt Website: chamber.org.tt

that increased visitor arrivals and much-needed direct international flights will bring. Equally important is strengthening essential services, including healthcare, water supply, electricity, roads, and drainage infrastructure, all of which are critical to sustaining long-term growth. Tobago possesses one of its greatest competitive advantages in its people. The island boasts a highly skilled workforce, with many Tobagonians internationally recognised and professionally trained in hospitality and tourism-related fields. Their expertise, warmth and renowned hospitality will be instrumental in delivering world-class visitor experiences. The Tobago Division remains optimistic that through strategic partnerships, innovation, and collective action, Tobago can successfully navigate a changing global landscape and unlock a sustainable and prosperous future for generations to come.

Tobago Division of the Trinidad and Tobago Chamber of Industry and Commerce (Tobago Chamber) 2nd Floor, ANSA McAL Building, Milford Road P.O. Box 47, Scarborough, Tobago Tel: (868) 639-2669; Fax: (868) 639-3014 Email: tobagochamber@chamber.org.tt Website: chamber.org.tt

Who’s Who In Trinidad & Tobago Business 2026-2027 2. Advancing decarbonisation. We are drawing new investment into lower-carbon technologies to reduce the carbon intensity of our energy commodities and championing a shift to lower-carbon fuels, particularly in the maritime sector. 3. Developing human capital. The skills needed in the sector are being transformed by digitisation, automation and artificial intelligence, and we continue to press for greater focus on programmes that train young people entering the industry and retrain the existing workforce, while holding firm on safety standards. MALA BALIRAJ Chairperson

DR. PRIYA MARAJH President / CEO

he Energy Chamber is the leading private sector voice for the oil, gas, petrochemical, heavy industrial, and renewables sectors in Trinidad and Tobago. Our 400+ member companies span the entire value chain, from upstream producers of oil, gas and renewable electricity through to major downstream industrial consumers and petrochemical manufacturers. Our supply chain membership is just as broad, ranging from small sub-contracting firms and individual professionals to major international service companies. Guided by our purpose of building resilience through collaboration for a sustainable energy future, we advocate on behalf of our entire membership, working to strengthen the sector at every point along the chain. That means keeping a close eye on developments here and across the region, building the right partnerships, and finding practical ways to create value for our members, now and in the years ahead. This past year, that work reached beyond our borders too, with new agreements to deepen our collaboration with neighbours in Guyana and Suriname. Five priorities continue to guide our work: 1. Accelerating upstream production. We continue to push for reinvestment that grows national oil and gas output, while working to move promising projects through the development cycle faster.

n a world defined by rapid geopolitical and economic shifts, businesses no longer have the luxury of standing still. For the Chaguanas Chamber of Industry and Commerce (CCIC), the theme “Unlocking Growth in Changing Times” isn’t just a corporate tagline; it is a blueprint for survival and success. As BALDATH MAHARAJ the commercial heartbeat President of Trinidad and Tobago, Chaguanas has always been a landscape of relentless drive. However, navigating today’s complex global economy requires more than just average resilience; it demands deliberate, forward-thinking action. To unlock true growth, we must build a bridge between immediate operational survival and long-term visionary thinking. The Chamber is actively executing this on two distinct fronts. For our current business leaders, the CCIC marked World SME Day by hosting an intensive training session centred on the integration of Artificial Intelligence, which also included an address by Senator the Honourable Leroy Baptiste, Minister of Labour, Small and Micro Enterprise Development and a successful businessman. We shifted the conversation from abstract tech trends to practical applications, equipping local entrepreneurs with the data-driven tools needed to gain a distinct competitive advantage in a crowded market.

4. Improving the ease of doing business. We are working with all stakeholders to simplify policy and remove friction, creating room for long-term investment and job creation. 5. Prioritising safety and asset integrity. We are sharpening our focus on process safety and the smarter use of technology, ensuring ageing infrastructure continues to run securely and protecting both the environment and the people who keep the sector moving. The Energy Chamber has consistently remained focused on one thing: building the relationships and efficiencies that allow this sector to deliver real value, for our members and for Trinidad and Tobago as a whole.

The Energy Chamber of Trinidad and Tobago (The Energy Chamber) Suite B2.03, Atlantic Plaza Atlantic Avenue, Point Lisas, Couva, Trinidad Tel: (868) 6-ENERGY, 679-6623/1398 Email: execoffice@energy.tt; Website: energy.tt

Actual sustainability, however, requires looking a generation ahead. Through our annual Kids MBA programme, we are engaging young minds early, not only teaching business basics through academics but also completely reshaping their approach to problem-solving, risk-taking and strategic thinking before they even step into the corporate arena. This creates the right entrepreneurial mindset to start a successful business. By balancing cutting-edge technological support for today’s SMEs with foundational, mindset-altering education for the next generation, the CCIC is doing more than just weathering the current economic climate; we are actively altering its trajectory. Real strength is the ability to see a market disruption not as a barrier, but as a gateway. It signals to our international peers and local partners that the Chaguanas business community is not only reacting to the future – we are intentionally building it.

Chaguanas Chamber of Industry and Commerce (CCIC) 17 Cumberbatch Street Chaguanas, Trinidad Tel: (868) 671-2242, 272-2242 Email: ccic@ccictt.org Website: ccictt.org

Messages

he Employers’ Consultative Association (ECA) believes that sustainable economic growth is best achieved through meaningful social dialogue and effective tripartite collaboration among employers, workers and government. The International Labour Organization (ILO) defines social dialogue as “both a means to achieve social and economic progress and an end in itself, as it gives people a voice and a stake in their societies and workplaces.” In today’s rapidly changing global environment, this principle is more relevant than ever. Economic uncertainty, technological disruption, demographic change and evolving labour market demands require coordinated responses that no single stakeholder can deliver alone. For Trinidad and Tobago, social dialogue must move beyond consultation and become a properly institutionalised feature of national governance. Strong and trusted mechanisms for engagement create the conditions for informed decisionmaking, build confidence among stakeholders and encourage shared ownership of policies that promote long-term national development. They also help foster industrial harmony, strengthen investor confidence and create a more predictable environment for economic growth. Institutionalised social dialogue provides the platform through which many of our most pressing challenges can be addressed. Improving productivity, preparing the workforce for artificial intelligence and digital transformation, strengthening education and skills development, modernising labour market institutions and diversifying the economy all require collaboration Around the world, countries that have embraced structured social dialogue have demonstrated greater resilience, stronger labour market outcomes and enhanced competitiveness. While Trinidad and Tobago must chart its own path, the principle remains the

KESTON NANCOO President

RONALD RAMLOGAN Chief Executive Officer

same: sustainable progress is built through partnership. The ECA remains committed to advancing constructive engagement that supports productivity, enterprise development and innovation. By institutionalising social dialogue and investing in our people, we can strengthen our economy, build more resilient enterprises and create a more prosperous future for generations to come.

The Employers’ Consultative Association of Trinidad and Tobago (ECA) 17 Samaroo Road, Aranguez Roundabout North Aranguez, Trinidad Tel: (868) 675-9388/5873/6026 Email: communications@ecatt.org Website: www.ecatt.org

This presents an important opportunity for Trinidad and Tobago. Growth will not come from doing more of the same. Our growth and competitiveness will depend on how effectively we develop talent, commercialise innovation, strengthen entrepreneurship and connect businesses to regional and international opportunities. The organisations that succeed will be those that embrace technology, invest in people and continuously evolve their value proposition to meet changing market demands.

DIANNE JOSEPH President

BRIAN BENOIT Chief Trade & Technical Officer

very generation of business leaders faces a defining challenge. Ours is learning how to create growth in an environment where change is no longer occasional; it is constant.

Across Trinidad and Tobago, organisations are navigating a landscape shaped by technological disruption, shifting consumer expectations, workforce transformation and increasing global competition. The reality is that many of the business models that delivered success over the last twenty years may not be sufficient for the next twenty. In this environment, growth is no longer determined solely by the size of a company, the strength of its balance sheet or the industry in which it operates. Increasingly, growth belongs to organisations that can adapt quickly, identify emerging opportunities and build the partnerships needed to respond to change.

Equally important is collaboration. No single institution, sector or organisation can unlock national growth alone. Sustainable progress requires stronger connections between business, education, government and communities, working together to create an environment where innovation and enterprise can thrive. The challenge before us is significant, but so is the opportunity. If we are prepared to think differently and act decisively to invest in the future, Trinidad and Tobago can build a more competitive, resilient and prosperous economy for generations to come.

Trinidad and Tobago Coalition of Services Industries (TTCSI) Unit B202, Trinidad and Tobago Group of Professional Associations Limited 11-13 Fitzblackman Drive South Woodbrook, Port of Spain, Trinidad Tel: (868) 622-9229, 717-3932 Email: operations@ttcsi.org Website: www.ttcsi.org

Who’s Who In Trinidad & Tobago Business 2026-2027

MARISSA QUASHIE President

MARSHA CABALLERO Chief Executive Officer

s the national regulator and voice of the accountancy profession, the Institute of Chartered Accountants of Trinidad and Tobago (ICATT) remains steadfast in its dedication to excellence, integrity, and the advancement of the profession. Our mandate is clear: to uphold the highest standards of ethics and professional conduct while continuously equipping the profession to lead with confidence in an era of rapid change, increasing complexity and expanding opportunity. Today’s environment demands more than adaptability - it requires vision, courage and a profession that the public can trust. ICATT’s work is rooted in that conviction. Auditors, CFOs, practitioners, finance and accounting professionals, and public sector leaders all play a vital role in this landscape. Their ethical commitment, technical expertise, and sound judgement strengthen governance, inspire confidence, and create long-term value for organisations, the economy, and society. Strengthening professional capability remains central to that mission. ICATT continues to deliver high-quality Continuing Professional Development (CPD) programmes that address the issues shaping today’s business environment, including digital transformation, artificial intelligence, sustainability reporting, and evolving international standards. The Institute’s ongoing engagement with international organisations such as the International Federation of Accountants (IFAC), the International Ethics Standards Board for Accountants (IESBA), and the IFRS Foundation helps ensure that professionals in Trinidad and Tobago remain aligned with global best practice and equipped to meet the evolving needs of business, government, and society.

EMIL RAMKISSOON President

DR. MAHINDRA RAMESH RAMDEEN Chief Executive Officer

he business environment has never been more dynamic than it is today. Across the globe, industries are navigating economic uncertainty, evolving consumer demands, technological disruption, supply chain shifts, and an increasingly complex geopolitical landscape. Yet amid these challenges lie significant opportunities for growth, innovation, and transformation. For Trinidad and Tobago’s manufacturing sector, changing times demand more than resilience - they require agility, foresight, and a commitment to continuous improvement. Businesses must be prepared to adapt to new market realities, embrace emerging technologies, and identify innovative ways to create value. Those who are willing to evolve will be best positioned to thrive in an increasingly competitive global economy. Manufacturers have long been a cornerstone of Trinidad and Tobago’s economic development, contributing to employment, exports, and industrial diversification. Today, the sector continues to demonstrate its ability to adapt, with companies investing in modern production processes, digital solutions, sustainable practices, and workforce development. These investments are not only strengthening individual enterprises but also enhancing the overall competitiveness of our national economy. At the Trinidad and Tobago Manufacturers’ Association (TTMA), we recognise that unlocking growth requires both strategic vision and collective action. We continue to advocate for policies that support business expansion, facilitate trade, improve competitiveness, and encourage investment. Through our trade missions, business networking initiatives, export development programmes, and industry engagement efforts, we remain committed to creating opportunities that enable local manufacturers to access new markets and build meaningful partnerships.

Beyond Trinidad and Tobago, ICATT continues to strengthen regional partnerships and collaboration to advance public financial management, ethical governance and professional excellence across the Caribbean. At the same time, we remain a strong advocate for the profession’s central role in driving economic resilience, strengthening public trust and supporting national development.

The changing global landscape also presents an opportunity for Trinidad and Tobago to strengthen its position as a regional manufacturing and export hub. By leveraging our geographic advantage, entrepreneurial talent, and industrial expertise, we can expand our reach into emerging markets while deepening existing trade relationships. Success will depend on our ability to innovate, collaborate, and remain responsive to evolving market demands.

ICATT looks ahead with purpose. We remain committed to building a dynamic, future-ready profession that safeguards the public interest, supports sustainable growth and strengthens confidence in financial leadership. Strong institutions, trusted professionals and ethical leadership are fundamental to a more accountable and prosperous Trinidad and Tobago.

As we look to the future, sustainable growth must remain at the forefront of our efforts. Economic progress, environmental responsibility, technological advancement, and human capital development must work hand in hand to create lasting value for businesses, communities, and future generations.

The Institute of Chartered Accountants of Trinidad and Tobago (ICATT) 2nd Floor, Professional Centre Building 11-13 Fitzblackman Drive Wrightson Road Extension Port of Spain, Trinidad Tel: (868) 623-8000 Email: service@icatt.org Website: icatt.org

While the challenges before us are significant, so too are the opportunities. By embracing innovation, fostering collaboration, and maintaining a forward-looking approach, we can unlock new avenues for growth and ensure that Trinidad and Tobago’s business community remains competitive, resilient, and prepared for the future.

Trinidad and Tobago Manufacturers’ Association (TTMA) TTMA Building, 42 Tenth Avenue, Barataria, Trinidad P.O. Box 971, Port of Spain, Trinidad Tel: (868) 675-TTMA (8862); Fax: (868) 675-9000 Email: info@ttma.com; Website: ttma.com

Messages

BIONDI BACHEW President

SUNITA PERSAD Vice President

he supermarket industry plays a central role in connecting local manufacturers, farmers, distributors, importers, logistics providers, and consumers. In a time of increased complexity with geopolitical tensions and supply chain disruptions causing inflationary pressures, the sector has become an example of resilience and adaptation. Navigating this landscape involves taking a closer look at business models and adapting for today. Across the value chain, we are using technology to improve inventory management, leaning into data-driven forecasting, strengthening relationships with local suppliers, and diversifying sourcing strategies to reduce risk. These efficiencies are helping businesses maintain product availability while responding to rising costs and an increasingly dynamic global trading environment.

At the same time, Trinidad and Tobago has an opportunity to strengthen its position within the regional food supply chain. By increasing targeted support for local agriculture and manufacturing, encouraging value-added food production, and expanding export-ready capabilities, we can reduce import dependence while creating new economic opportunities. These medium to long-term agro-processing goals, however, must be balanced with consumers’ current day economic realities. Stronger collaboration between retailers, suppliers, logistics providers, financial institutions, and policymakers will be needed to build a more efficient and resilient food ecosystem. Growth in changing times will ultimately be driven by strategic partnership, innovation, and long-term thinking.

The Supermarket Association of Trinidad and Tobago (SATT) P.O. Box 8061, Piarco, Trinidad Tel: (868) 794-9461 Email: office.satt@gmail.com

Who’s Who In Trinidad & Tobago Business 2026-2027

Chambers of Commerce AMERICAN CHAMBER OF COMMERCE OF TRINIDAD AND TOBAGO (AMCHAM T&T) Anna Henderson – President Nirad Tewarie – Chief Executive Officer 6 Scott Street St. Clair, Port of Spain Trinidad, W.I. Tel: (868) 252-1013/4; 252-1038 Email: inbox@amchamtt.com Website: www.amchamtt.com

CHAGUANAS CHAMBER OF INDUSTRY & COMMERCE (CCIC)

EUROPEAN BUSINESS CHAMBER IN TRINIDAD AND TOBAGO (EUROCHAMTT) Gerard Precilla – President 15 Wainwright Street, St. Clair Port of Spain, Trinidad Tel: (868) 728-0009 Email: info@eurochamtt.org Website: www.eurochamtt.org

THE ENERGY CHAMBER OF TRINIDAD & TOBAGO (THE ENERGY CHAMBER)

Baldath Maharaj – President 17 Cumberbatch Street Chaguanas, Trinidad Tel: (868) 671-2242, 272-2242 Email: ccic@ccictt.org Website: www.ccictt.org

Dr. Priya Marajh – President/CEO Mala Baliraj – Chairperson Suite B2.03, Atlantic Plaza Atlantic Avenue, Point Lisas Couva, Trinidad Tel: (868) 6-ENERGY Email: execoffice@energy.tt Website: www.energynow.tt

CONFEDERATION OF REGIONAL BUSINESS CHAMBERS (CRBC)

GREATER SAN FERNANDO AREA CHAMBER OF COMMERCE

Vivek Charran – President 106 Southern Main Road Couva, Trinidad Tel: (868) 355-6777 Email: crbc02017@gmail.com Website: www.crbctt.com

COUVA/POINT LISAS CHAMBER OF COMMERCE Deoraj Mahase – President 12 Camden Road, Couva, Trinidad Tel/Fax: (868) 636-5017, 609-5017 Email: couva.chamber@gmail.com Website: www.couvachamber.totalit.tech

Kiran Singh – President RRM Plaza 51-53 High Street San Fernando, Trinidad Tel: (868) 652-7960 Email: kiransingh@gsfcc.business FB: www.facebook.com/ greatersanfernandochamberofcommerce/

THE GREATER TUNAPUNA CHAMBER OF INDUSTRY AND COMMERCE

TOBAGO DIVISION OF THE TRINIDAD AND TOBAGO CHAMBER OF INDUSTRY AND COMMERCE (TOBAGO CHAMBER) Curtis Willliams – Chairman 2nd Floor ANSA McAL Building Milford Road P.O. Box 47, Scarborough, Tobago Tel: (868) 639-2669 Email: tobagochamber@chamber.org.tt Website: www.tobagochamber.org

SANGRE GRANDE CHAMBER OF COMMERCE

Wayne Huggins – President PO Box 4500 Sangre Grande, Trinidad Tel: (868) 275-7274 Email: sgchambertt@gmail.com FB: www.facebook.com/SGChamberTT

TRINIDAD AND TOBAGO CHAMBER OF INDUSTRY AND COMMERCE (T&T CHAMBER)

Karen Yip Chuck – President Dr. Vashti G. Guyadeen – Chief Executive Officer Columbus Circle, Westmoorings P.O. Box 499, Port of Spain, Trinidad Tel: (868) 637-6966 Email: chamber@chamber.org.tt Website: www.chamber.org.tt

Ramon Gregorio – President 10 Eastern Main Road Tunapuna, Trinidad Tel: (868) 322-4482 Email: gtchamberinfo@gmail.com Website: www.tunapunachamber.org

Associations

SUDESH RAMKISSOON President

SOLANGE RICHARDSON President

IAN COX President

Arima Business Association

Association of Female Executives of Trinidad and Tobago (AFETT)

Association of Professional Engineers of Trinidad and Tobago (APETT)

Acacia De Verteuil Director of Communications 11-15 Fitzblackman Drive Ext. Woodbrook, P.O. Box 1919 Port of Spain, Trinidad Email: comms@theafett.org president@theafett.org

The Professional Centre 11-13 Fitz Blackman Drive South Woodbrook Port of Spain, Trinidad Tel: (868) 627-6697 Email: office@apett.org Website: apett.org

SALLY SINGH President

DEAN ROMANY President

RYAN LATCHU President

Association of Real Estate Agents (AREA)

Association of Trinidad and Tobago Insurance Companies (ATTIC)

Automotive Dealers’ Association of Trinidad and Tobago

Devon Fergusson - Vice President Unit B, No.104 Woodford Street, Newtown Port of Spain, Trinidad Tel: (868) 432-0366/469-2732 Email: area.tt.assoc@gmail.com Website: www.areatt.com

ATTIC Head Office and Training Centre 46-50 Picton Street, Newtown Port of Spain, Trinidad P.O. Box 208, Port of Spain, Trinidad Tel: (868) 628-5457 / 2969 / 1663 Email: mail@attic.org.tt; Website: www.attic.org.tt

Reyaz Ahamad – Vice President Lady Young Road, Morvant Trinidad Tel: (868) 674-4801 Email: ryan.latchu@massygroup.com

NIGEL BAPTISTE President

KESTON NANCOO Chairman

A. ALEXANDER GAFOOR President

Bankers Association of Trinidad and Tobago (BATT)

Employers’ Consultative Association of Trinidad and Tobago (ECA)

Fintech Association of Trinidad and Tobago (FINTECHTT)

Keston Howell – Executive Director Level 1, Invader’s Bay Tower Invaders Bay Off Audrey Jeffers Highway Port of Spain, Trinidad Tel: (868) 235-6291 Email: secretariat@batt.org.tt Website: www.batt.org.tt

Ronald Ramlogan – Chief Executive Officer 17 Samaroo Road Aranguez Roundabout North Aranguez, Trinidad Tel: (868) 675-9388/5873/6026 Email: communications@ecatt.org Website: www.ecatt.org

Shallon Berkely – Corporate Secretary 15th Floor, Tower D International Waterfront Centre Wrightson Road, Port of Spain, Trinidad Tel: (868) 627-3081, 275-6174 Email: admin@fintechtt.com info@fintechtt.com

Garvin Mc Knight – Vice President c/o Zam Industries 63 Eastern Main Road D’Abadie, Trinidad Tel: (868) 331-6404; 685-0441 Email: arimabusinessassociation@yahoo.com FB: facebook.com/ArimaBusinessAssociation

Who’s Who In Trinidad & Tobago Business 2026-2027

Associations

STACEY-ANN PATY President

ABRAHIM ALI President

JEREMY LALLA President

Institute of Banking and Finance of Trinidad and Tobago (IBF)

San Juan Business Association

Securities Dealers Association of Trinidad & Tobago (SDATT)

Marsha R. John – Chief Executive Officer Level 1 Invader’s Bay Tower, Invaders Bay Off Audrey Jeffers Highway P.O. Box 1259, Port of Spain, Trinidad Tel: (868) 235-6291/321-9330 Email: info@ibf.org.tt Website: www.ibf.org.tt

DR. MARISA NIMROD Chair/Chief Executive Officer

Dwight Williams – Vice President 6 Saddle Road San Juan, Trinidad Tel: (868) 779-6697, 755-6797 Email: sanjuanbusiness@gmail.com

CAVELLE JOSEPH - ST. OMER, SHRM SCP, MBA, B.SC. President

Ian Chin – Vice President 18 Scott Bushe Street Port of Spain, Trinidad Tel: (868) 345-7735 Email: info@sdattonline.org Website: www.sdattonline.org

TROY PERSAD President

The Caribbean Association for Oncology and Hematology (CAOH)

The Human Resource Management Association of Trinidad & Tobago (HRMATT)

239 Western Main Rd, Cocorite Port of Spain, Trinidad Tel: (868) 701-9684 Email: caohcaribbean@gmail.com Website: www.caohcaribbean.org

Allsha Long – Vice President 25 Queens Park West Port of Spain, Trinidad Tel: (868) 687-5523 Email: secretariat@hrmatt.com Website: www.hrmatt.com

BIONDI BACHEW President

BLISS SEEPERSAD President

REGINALD MAC LEAN President

The Supermarket Association of Trinidad And Tobago (SATT)

The Trinidad Building & Loan Association (TBLA)

Tobago Hotel and Tourism Association (THTA)

Stephen Allum Poon – Vice President 89 Queen Janelle Commissiong Street Port of Spain, Trinidad Tel: (868) 623-1501-4 Email: marketing@tblamortgages.com Website: www.tblamortgagestt.com

Apt 1, Lambeau Credit Union Bldg. Auchenskeoch Road, Carnbee, Tobago P.O. Box 295, Scarborough, Tobago Tel/Fax: (868) 639-9543 Email: tobagohoteltourismassoc@gmail.com Website: www.yourtobago.com

Sunita Persad - Vice President Amrika Teelucksingh – Chief Executive Officer P.O. Box 8061, Piarco Tel: (868) 794-9461 Email: office.satt@gmail.com

The Shipping Association of Trinidad and Tobago Kevin Choo Quan – Vice President 15 Scott Bushe Street Port of Spain, Trinidad Tel: (868) 623-3355, 609-3352 Email: sattops@shipping.co.tt Website: www.shipping.co.tt

Associations

DOMINIC ROMAIN President

DIANNE JOSEPH President

LISA RAMOUTAR President

Trinidad and Tobago Association of Insurance and Financial Advisors (TTAIFA)

Trinidad & Tobago Coalition of Services Industries (TTCSI)

Trinidad and Tobago Contractors Association (TTCA)

Brian Benoit – Chief Trade & Technical Officer Unit B202, Trinidad and Tobago Group Of Professional Associations Limited 11-13 Fitzblackman Drive South Woodbrook, Port of Spain, Trinidad Tel: (868) 622-9229, 717-3932 Email: operations@ttcsi.org Website: www.ttcsi.org

The Professional Centre Bldg. 1st Floor, Unit B 203 11–13 Fitzblackman Drive South Woodbrook Port of Spain, Trinidad Tel: (868) 627-1266 Email: service@ttca.com Website: www.ttca.com

JUSTIN SMITH President

LORRAINE POUCHET President

RICARDO NEWALLO President

Trinidad and Tobago Group of Professional Associations Limited (TTGPA)

Trinidad and Tobago Incoming Tour Operators’ Association (T&TITOA)

Trinidad and Tobago Institute of Architects (TTIA)

Oneika Bushell - Administrative Manager The Professional Centre 11-13 Fitzblackman Drive South Woodbrook, Port of Spain, Trinidad Tel: (868) 627-1539 Email: secretariat@ttgpa.org Website: www.ttgpa.org

Tel: (868) 753-2775 Email: ttitoatnt@gmail.com FB: www.facebook.com/Trinidad-andTobago-Incoming-Tour-OperatorsAssociation-110987565583040/ Website: www.touroperatorstt.com

Larry Tai Chew – Vice President 129-131 Edward Street Port of Spain, Trinidad Tel: (868) 624-2940/2608 Email: info@ttaifa.com Website: www.ttaifa.com

Rm 305B, The Professional Centre Bldg. North Block 11–13 Fitzblackman Drive, Woodbrook Port of Spain, Trinidad Tel: (868) 624-8842, 360-3353 Email: administration@ttia-architects.org Website: www.architecture.tt

EMIL RAMKISSOON President

DR. HASSIMA MOHAMMED President

Trinidad and Tobago Manufacturers’ Association (TTMA)

Trinidad And Tobago Medical Association (T&TMA)

Dr. Mahindra Ramesh Ramdeen Chief Executive Officer TTMA Building, 42 Tenth Avenue, Barataria, Trinidad PO Box 971, Port of Spain, Trinidad Tel: (868) 675-TTMA (8862) Email: info@ttma.com; Website: www.ttma.com

1 Sixth Avenue, Xavier Street Extension Orchard Gardens, Chaguanas, Trinidad Tel: (868) 671-7378 / 5160, 315-5104 Email: medassoc@tntmedical.com Website: www.tntmedical.com

Who’s Who In Trinidad & Tobago Business 2026-2027

Advertorial

At the Fair Trading Commission, we firmly believe that effective competition is one of the most powerful drivers of economic growth, innovation and prosperity. As Trinidad and Tobago continues to navigate an increasingly dynamic and interconnected global economy, fostering competitive markets has never been more important. Competition plays a vital role in any healthy economy. It encourages businesses to innovate, improve efficiency and deliver better products and services. It creates opportunities for enterprises of all sizes to compete on merit, creativity and performance. Most importantly, it benefits consumers by promoting greater choice, better quality and fairer prices. These outcomes are essential to building stronger and more resilient markets capable of adapting to changing economic conditions and supporting sustainable national development. The role of the Fair Trading Commission is to promote, maintain and protect competition throughout Trinidad and Tobago. While many view competition law solely through the lens of regulation and enforcement, our mandate extends far beyond this. We see ourselves as partners in fostering a business environment that supports entrepreneurship, investment and economic opportunity. A well-functioning competitive environment provides businesses with the confidence to invest, expand and innovate. It creates a level playing field where firms can compete fairly and where success is determined by efficiency, innovation and customer value rather than anti-competitive conduct. By promoting fair competition, we help create the conditions necessary for businesses to grow and contribute meaningfully to national development.

Building Stronger and More Resilient Markets Through Competition

MS. NISHA K. PERSAD Chairman, Fair Trading Commission

At the Commission, we recognize that achieving these outcomes requires more than enforcement. It requires engagement, education and collaboration. We are committed to working closely with businesses, industry associations, chambers of commerce and other stakeholders to strengthen awareness of competition principles and encourage compliance with the Fair Trading Act.

We also recognize that the business community possesses valuable insights into the challenges and opportunities that exist within our markets. By listening to stakeholders and engaging in meaningful dialogue, we are better equipped to understand emerging issues, identify barriers to competition and develop initiatives.Promoting competition is a shared responsibility. While the Commission provides oversight and guidance, the success of competition policy depends on the active participation of businesses and stakeholders who embrace the principles of fairness and transparency. Together, we can foster markets that reward innovation, encourage investment and create opportunities for growth. As Chairman of the Fair Trading Commission, I remain committed, alongside my fellow Commissioners and the dedicated staff of the Commission, to building an institution that is independent, accessible, responsive and forwardlooking. We will continue to strengthen our engagement with stakeholders, expand our advocacy and educational initiatives, and ensure that the Commission remains a trusted regulator committed to promoting fair and competitive markets and advancing the interests of businesses, consumers and the wider economy. Our vision is simple but important: a Trinidad and Tobago where competition drives innovation, empowers businesses, protects consumers and contributes meaningfully to sustainable economic development. Through continued engagement, education and partnership, we will continue working to create a fair, transparent and competitive marketplace that benefits all citizens.

By embracing competition today, we can build a stronger and more prosperous economy for future generations. Level 9, Nicholas Tower, 63-65 Independence Square, Port of Spain Tel: (868) 623-2931 Ext. 2202 / 2209 / 2212 Email: info@tandtftc.org; tandtftc@gmail.com Website https://tandtftc.org/

Advertorial

The ESG Partner Turning Purpose into Measurable Social Impact As Environmental, Social, and Governance (ESG) expectations continue to shape corporate strategy, companies are being challenged to demonstrate not only what they contribute, but the measurable difference their investment make. For organisations seeking to strengthen the Social dimension of ESG, United Way Trinidad and Tobago (UWTT) offers something distinctive: the ability to convene, implement and collaborate across sectors to create sustainable change. For more than 25 years, United Way Trinidad and Tobago (UWTT), has worked at the intersection of business, civil society and community. Our strength lies not only in funding social initiatives, but in bringing the right stakeholders together, designing practical responses, coordinating implementation and helping partners connect their investment to real community needs. We Convene. Many of Trinidad and Tobago’s most persistent social challenges cannot be solved by one organisation acting alone. UWTT creates the space for companies, NGOs, schools, communities, government agencies and technical experts to work around shared priorities. We help bridge the gaps between sectors, align resources and build partnerships that are grounded in trust, local knowledge and a common purpose. We Implement. Through initiatives such as our flagship Building Bridges from Learning to Success Programme, UWTT has developed

strong experience in translating strategy into action. Our work supports children, families, teachers and school communities through interconnected interventions including foundational literacy, teacher development, parenting support, social and emotional learning, out-of-school engagement, remedial support and access to critical resources towards childhood success. This implementation experience allows corporate partners to move from broad ESG ambitions to structured programmes with defined activities, clear beneficiaries and measurable outcomes. We Collaborate. UWTT recognises that expertise already exists across our communities. Our role is not to duplicate but to connect. We work with specialist NGOs, educators, community organisations, corporate teams and other partners, combining complementary strengths to deliver more effective solutions. This collaborative model helps reduce fragmentation, improve coordination and strengthen the potential for long-term impact. For corporate Trinidad and Tobago, this means access to a trusted partner capable of supporting ESG priorities across areas such as childhood success, education, family wellbeing,

employee engagement, community resilience and collective action. We also help companies create deeper connections between corporate purpose, employee participation and community investment. Through workplace giving, volunteerism, skills-based engagement, strategic partnerships and community initiatives, companies can involve their people while strengthening the communities in which they operate. At UWTT, we believe ESG should be more than a reporting requirement. It should be a pathway to stronger communities, greater opportunity and shared progress. Our value is simple but powerful: we bring people together, turn ideas into action and build partnerships that deliver measurable social value. For companies seeking a credible, experienced and collaborative ESG partner, United Way Trinidad and Tobago is ready to help transform purpose into lasting change.

“Your ESG strategy deserves more than a donation. It deserves a partner.” Telephone: (868) 717-8630 • Email: unitedway@uwtt.com • Web: www.uwtt.com

Who’s Who In Trinidad & Tobago Business 2026-2027

A Profession for a Changing World MARSHA CABALLERO Chief Executive Officer

Every significant organisational decision ultimately becomes a financial decision. Whether an organisation is investing, expanding, transforming, managing risk or responding to uncertainty, sound financial judgement underpins each of these choices. In an increasingly complex and interconnected world, the value of the finance and accountancy profession has never been greater. As organisations navigate economic uncertainty, technological disruption and evolving stakeholder expectations, the quality of financial leadership has become a defining factor in organisational resilience, investor confidence and long-term prosperity.

“Finance sits at the centre of every organisation because it connects strategy to execution, opportunity to investment, and ambition to accountability.” From Stewardship to Strategy The profession’s contribution extends far beyond financial reporting and compliance. Today’s professional accountants serve as trusted advisers, strategic partners and leaders, helping organisations navigate complexity, strengthen governance and create long-term value. Stewardship remains the foundation of the profession, but today’s environment demands much more. Whether serving in business, public practice, the public sector

or academia, finance and accounting professionals are expected to provide strategic insight, challenge assumptions, allocate resources wisely and support informed decision-making. Their contribution reaches across boardrooms, businesses, public institutions and entrepreneurial ventures, making them indispensable partners in creating resilient organisations and competitive economies. “The profession has evolved from stewardship to strategy—helping organisations not only measure value, but create and protect it.” Regulation with Purpose Protecting the public interest remains central to ICATT’s mandate as the national regulator and Professional Accountancy Organisation (PAO). Effective regulation is fundamental to maintaining confidence in the profession and upholding the standards upon which businesses, investors and society rely. Today’s environment, however, requires more than oversight alone. It demands leadership that anticipates change, safeguards excellence, fosters trust and helps ensure the profession continues to meet the evolving needs of business, government and society. ICATT continues to advance the profession by upholding the highest standards, championing excellence and advocating issues that shape business, governance and public interest. By bringing together practitioners, business leaders, regulators, educators and policymakers, the Institute promotes informed dialogue, encourages collaboration and provides leadership on the issues shaping financial leadership, governance and accountability.

The profession’s relevance will not be determined solely by the standards it upholds, but by its ability to anticipate change, embrace innovation and continue earning the trust of those it serves. ICATT is committed to sustaining that relevance through leadership, collaboration and a shared commitment to excellence across the profession. A Continuing Responsibility Change will continue to redefine the environment in which organisations operate, but the qualities that underpin a strong profession remain constant. Integrity, professional judgement, ethical leadership and accountability will become even more valuable as organisations embrace innovation and respond to increasingly complex operating environments.

“Ultimately, the strength of the profession will be measured not only by its technical excellence, but by the confidence it creates, the integrity it upholds and the value it brings to business and society.” Ensuring the profession continues to meet that standard is central to ICATT’s role, supporting a profession that remains trusted, relevant and future-ready for generations to come.

ICATT continues to advance the profession by upholding the highest standards, championing excellence and advocating issues that shape business, governance and public interest. The Institute of Chartered Accountants of Trinidad and Tobago 2nd Floor: Professional Centre Building, 11-13 Fitzblackman Drive, Wrightson Road Extension, Port of Spain, Trinidad and Tobago, W.I. Tel: (868) 623-8000 | Email: service@icatt.org | Website: https://www.icatt.org/ LinkedIn: https://tt.linkedin.com/company/icatt | Facebook: https://www.facebook.com/icattsocial/ YouTube: https://www.youtube.com/user/ICATTTrinidad

Automotive, Aviation and Shipping Services

Accelerating Growth: T&T’s

Aviation Industry Takes Flight RAMESH LUTCHMEDIAL, Aviation Consultant; Former Director General, Trinidad and Tobago Civil Aviation Authority (TTCAA)

Automotive, Aviation and Shipping Services

rom the formation of the Trinidad and Tobago Civil Aviation Authority (TTCAA) in 2001 to the launch of the Aviation Campus at The University of Trinidad and Tobago in 2015, Trinidad and Tobago’s aviation industry has consistently adapted its operations, management, and infrastructure to align with evolving international standards and technological advancements. Aviation Consultant and former TTCAA Director General Ramesh Lutchmedial believes this strong track record - including the industry’s swift recovery from the challenges of the COVID-19 pandemic - positions it to capitalise on new flight routes and emerging opportunities in aviation management services.

Embracing Competitive Skies This readiness is already apparent in the country’s efforts to expand its global reach. With passengers travelling to Trinidad and Tobago for business, tourism, and education, Lutchmedial said that government and industry stakeholders must ensure air travel to the country remains affordable and competitive by creating new connections: “You have to generate demand, you have to create an interest, and you have to start advertising the destination.” A balanced approach is needed, he notes: “What the local aviation industry has to do is focus not just on expanding the offerings of our carriers but also on creating conditions that will be conducive for airlines to adjust the price of travel to Trinidad and Tobago to make the country a competitive destination.” If these actions are undertaken, he contends that they will be important factors in determining whether new services are sustainable and provide improved connectivity to Trinidad and Tobago. These strategies are already producing results. In 2025, the country signed a bilateral air services agreement with Nigeria, strengthening links

“We have strong infrastructure for developing an indigenous aviation industry with light manufacturing and aircraft maintenance. We also have the regulatory infrastructure to grow and develop the local aviation industry.” between the Caribbean and West Africa. The following year saw the launch of InterCaribbean Airways’ nonstop service between Barbados and Port of Spain, as well as Winair’s inaugural twice-weekly flights connecting St. Maarten and Trinidad. Driving Digital Transformation Enhancing the experience of air passengers will also be key to unlocking the potential of these new air linkages. The first step, Lutchmedial points out, is investing in airport facilities that can process e-passports. The next priority, he suggests, is to gradually phase out printed boarding passes in favour of facial recognition systems for e-boarding, where face scans verify passenger details and confirm boarding. Although airlines such as United Airlines, American Airlines, and Air Canada use this technology abroad, it has yet to be implemented in Trinidad and

By Tyrell Gittens Tobago. “Faster adoption of such technologies would help speed up customs and immigration processes for travellers,” he explained. This focus on modernisation is further reflected in the recent rollout of the online arrival and departure platform, which - despite being delayed - demonstrates the industry’s commitment to staying current with global technological trends. Developing a Regional Aviation Hub The launch of the Solar Park at Piarco International Airport in 2024 also marks an important step toward broadening the scope of the industry by introducing renewable energy into airport operations and opening avenues for growth beyond passenger travel. Building on this drive for diversification, the Special Economic Zone Authority has identified the aviation industry as a priority for future development. By targeting aviation within special economic zones, the Authority aims to attract investment, encourage innovation, and position Trinidad and Tobago as a regional hub for aviation-related services. Among the emerging prospects, Lutchmedial sees particular promise in aviation management services. He observed: “We have strong infrastructure for developing an indigenous aviation industry with light manufacturing and aircraft maintenance. We also have the regulatory infrastructure to grow and develop the local aviation industry. Our labour rates are very competitive, and our energy costs are also competitive for developing maintenance facilities and performing maintenance for foreign airlines.” Realising this potential will come down to one key factor. “All we need is to make the investment climate attractive so that foreign investors will want to invest in aviation services in Trinidad and Tobago.”

Who’s Who In Trinidad & Tobago Business 2026-2027

Shaping the Future of Mobility: T&T’s

Road to Transformation

rinidad and Tobago’s automotive industry is navigating a period of intense change. For Shiraz Ahamad, Executive Director at Southern Sales and Service Company Limited, the convergence of economic pressures, shifting consumer behaviour, and technological disruption is reshaping the industry at an unprecedented pace. Surveying the automotive landscape, Ahamad offers his strategic assessment of the forces redefining the industry and the policy measures required to secure its sustainable future. Navigating Economic & Regulatory Pressures Over the past two decades, foreign exchange availability has emerged as a significant force affecting a host of industries locally, and the automotive industry is no different, according to Ahamad. Given the industry’s heavy reliance on imports, access to US dollars affects every facet of operations from vehicle supply and parts inventory to pricing structures and after-sales service. “Securing foreign exchange is a persistent monthly challenge, impacting not only vehicle procurement but every element of the business,” he explains. Compounding this is the expansion of the foreign-used vehicle market over the past 10 to 12 years, which has broadened consumer choice while intensifying pressure on new vehicle affordability. Ahamad notes that more than 90% of new vehicles are financed, which means that bank qualification criteria often exclude younger or low-income buyers. While the used-import segment serves an important market, he cautions against an excessive reliance on older vehicles: “Older vehicles raise significant safety and environmental concerns.” Roadmap Needed for Auto Reform Addressing regulatory hurdles, Ahamad emphasises the need for policy stability and predictability. The automotive business requires decisions months in advance, yet annual budgetary changes to import duties, tax treatment, and

SHIRAZ AHAMAD, Executive Director, Southern Sales and Service Company Limited

“Annual budget volatility undermines longterm planning; a predictable two-year policy framework would enable the industry to serve customers more consistently.” incentives inject uncertainty across the entire value chain. “Annual budget volatility undermines longterm planning; a predictable twoyear policy framework would enable the industry to serve customers more consistently,” he states. Equally pressing is the need for a more robust vehicle inspection and roadworthiness framework. Ahamad expresses concern that the current system does not adequately ensure that vehicles entering the market meet safety and emissions standards. He also calls for a clearer national framework for hybrid and electric mobility, noting that while interest in low-emission vehicles is growing, supporting infrastructure, including charging stations, grid guidelines, and battery disposal protocols, must develop in tandem. Reflecting on regional progress, Ahamad remarks, “Barbados has deployed charging infrastructure widely; Trinidad and Tobago must accelerate its own investment to support the growing electric vehicle industry.” The Shift from Price to Value The government’s decision to extend the import age limit for used vehicles

has intensified competition, particularly affecting lowerpriced new models. Rather than competing solely on upfront price, Ahamad argues that authorised dealers must focus on the total cost of ownership: including warranty coverage, maintenance, parts availability, safety features, and verifiable service history. For Southern Sales, the strategy lies in reinforcing areas where long-term value can be delivered: manufacturer backing, certified technicians, genuine components, advanced diagnostics, and a structured customer experience. “A lack of parts availability quickly erodes a dealer’s reputation; after-sales support is as critical as the initial sale,” he notes. Upskilling for the Electric Future Ahamad underscores the importance of addressing the technical skills gap, as modern vehicles require sophisticated diagnostic equipment and highvoltage training. Investment in technician certification and continuous professional development is essential to support the growing number of electrified vehicles on local roads. Ultimately, he advocates for a unified approach: collaborative government-industry action on a national hybrid and electric vehicle (EV) roadmap, supported by incentives that promote safer, cleaner, and more efficient vehicles. “Industry stakeholders must take responsibility for investing in training, parts availability, customer education, digital tools, and transparent communication - all of which are fundamental to improving the customer experience,” he states. Together, these steps will position T&T to lead the way in the evolving landscape of sustainable mobility.

Automotive, Aviation and Shipping Services

By Amy Li Baksh

AARON D. HENRY Chairman

CARSON CHARLES Deputy Chairman

ARTI BOOCHOONOOSINGH Board Member

JERRY BOYER Board Member

ROLAN KALLOO Board Member

STEFFEN JITTAN Board Member

IRSHAD MOHAMMED Board Member

CHARLEEN MOONA Board Member

MEERA MONGROO Board Member

NIKO SWINTON-RAMCHARAN Board Member

VISION To be the leader of diverse and innovative aviation driven business in the region

Automotive, Aviation and Shipping Services

MISSION Committed to being customer centric, while stimulating innovation and economic growth in the aviation business

HAYDEN NEWTON General Manager

LIANA RAMSAHAI-ACHAN Corporate Secretary

PAMELA SCOTLAND-BENJAMIN STACEY CORNEAL-LLEWELLYN Deputy General Manager Chief Procurement Officer ANR Robinson International Airport

Airports Authority of Trinidad and Tobago (“the Authority”) is responsible for the management and operation of the international airports in Trinidad and Tobago – Piarco International Airport (POS) in Trinidad and ANR Robinson International Airport (TAB) in Tobago. The Authority has embarked on a strategic course and at the pinnacle of our goals is the focus on innovation to improve operational efficiency, ensure commercial viability and promote sustainable development of the local aviation sector.

JASON JOHN Deputy General Manager Operations

DALE RAYMOND Deputy General Manager Security

EMMANUEL BAAH Deputy General Manager - Estate Planning and Business Development

CARMELA WALLACE-SHANKLIN Financial Controller

JOANNA FRIDY Marketing Manager

ZOLA JOSEPH Corporate Communications Manager

Website www.tntairports.com Instagram piarcointlairport | anrrobinsonintlairport Facebook Piarco International Airport | ANR Robinson International Airport LinkedIn Airports Authority of Trinidad and Tobago AATT

Automotive, Aviation and Shipping Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Automotive, Aviation and Shipping Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Article

Reimagining the Berth: Port of Spain Redevelopment Opportunities By Kieran Andrew Khan A port’s value is measured not just by the cargo that crosses its quay, but by the economic activity it sets in motion. This is the driving force behind the proposed redevelopment of the Port of Port of Spain, a project that has the potential to reshape both the scale and role of Trinidad and Tobago’s main commercial harbour. The Government of Trinidad and Tobago’s current blueprint envisages a 400-acre offshore Port City, 18-metre berths, post-Panamax dry-docking capability, and an eventual handling capacity of up to 4,000,000 twenty-foot equivalent units (TEUs) annually.

Automotive, Aviation and Shipping Services

Additionally, a further 105 acres at Sea Lots, an industrial and residential coastal community located south of the capital city’s port, is earmarked for an industrial park and free trade zone focused on warehousing and light manufacturing.

The Scale: From 120,000 to 4 Million TEUs The Port of Port of Spain currently handles about 120,000 TEUs annually, according to Works and Infrastructure Minister, The Honourable Jearlean John. The proposed four million TEU capacity is therefore more than 33 times current throughput. The existing harbour is about 9.2 metres deep; there are plans to dredge it to 18 metres to allow significantly larger vessels to berth. That four-million figure is a long-term design ambition rather than a threeto-five-year forecast, but it signals the scale of the intended repositioning. DP World’s Caucedo terminal in the Dominican Republic, one of the Caribbean’s established logistics hubs, has expanded its capacity from 900,000 TEUs to 2.25 million, handling 1.7 million TEUs in 2024. Port of Spain is therefore positioning itself to compete at a much higher level within regional logistics. The Opportunity: Value Beyond Cargo For the private sector, the first opportunities could emerge well before Port City reaches anything approaching full capacity.

The Government of Trinidad and Tobago’s current blueprint envisages a 400acre offshore Port City, 18-metre berths, postPanamax drydocking capability, and an eventual handling capacity of up to 4,000,000 twenty-foot equivalent units (TEUs) annually. In the early stages, redevelopment will create demand for marine engineering, civil works, dredging support, surveying, environmental services, equipment supply, automation and digital infrastructure. As cargo activity expands, opportunities extend to freight forwarding, customs brokerage, trucking, warehousing, cold storage, insurance, and regional distribution. The proposed Sea Lots Industrial Park could push that model further. Instead of cargo merely arriving and departing, goods could be stored, consolidated, packaged, assembled, processed or redistributed from T&T. Caucedo offers a useful regional comparison. More than US$800 million has been invested over two decades, while its adjoining economic zone recorded a 39% increase in occupancy, driven by manufacturing and distribution. DP World says its next expansion phase is expected to attract billions of dollars in additional investment and create thousands of jobs.

The lesson is straightforward: depth gets the ship to berth; the ecosystem determines how much value stays ashore. The Projection: A 3-to-5 Year Pipeline If the Port of Spain redevelopment project advances as planned, the private-sector opportunity is likely to arrive in layers: • Years 1-2: engineering, construction, environmental, equipment, technology, and professional services tied to the build-out of the physical port. • Years 2-4: logistics operators, freight forwarders, hauliers, warehousing, cold storage, maintenance and customsrelated services supporting the movement and management of goods. • Years 3-5: light manufacturing, assembly, distribution, and marine services, alongside commercial opportunities created by the relocation of port activity offshore. Government plans also indicate that shifting industrial operations could release more than 150 acres of existing waterfront land for hotels, convention facilities, restaurants, entertainment and other economic development. This reconfiguration could transform the capital. The Test: Turning Capacity into Commerce Four million TEUs alone will not transform Trinidad and Tobago into a regional logistics hub. Shipping lines and investors will also take into account turnaround times, reliability, customs efficiency, technology, labour productivity, connectivity and the overall cost of doing business. That is why the most important indicator of Port City’s success will ultimately have little to do with harbour depth. The real test will be how much private investment, employment, manufacturing, logistics, and new enterprise Trinidad and Tobago can generate by attracting increased maritime traffic. A port is infrastructure. Beyond the berth is where it becomes an economy.

Automotive, Aviation and Shipping Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Banking, Investment and Financial Services

Banking on Change: New Lending Models and Frameworks for T&T NIGEL BAPTISTE, President and Managing Director, Republic Bank Limited; President, Bankers Association of Trinidad & Tobago (BATT)

ince the establishment of the first commercial bank in Trinidad and Tobago in 1837, the country’s banking and financial sector has been an essential driver of economic progress and development. Now, as the country seeks to initiate a new growth cycle - particularly in the non-energy sector - the question arises: can T&T’s financial sector meet this challenge and help unlock sustainable growth? BATT’s Strategic Focus “The strategic focus of the Bankers Association of Trinidad & Tobago (BATT) is to ensure that Trinidad and Tobago’s banking sector remains resilient, innovative and globally competitive,” says BATT President Nigel Baptiste. To achieve this, BATT will continue to work closely with regulators, policymakers and other stakeholders to advance digital transformation, strengthen cybersecurity, promote financial inclusion and enhance consumer protection.

Banking, Investment and Financial Services

It will also advocate for policies that support economic growth, improve

“We must continue embracing digital transformation, deepening capital markets, strengthening financial infrastructure, fostering innovation, expanding regional integration and creating an enabling environment for investment and entrepreneurship.”

customer outcomes and foster a more efficient financial ecosystem. “A strong banking sector and a financially empowered population are mutually reinforcing; our objective is to deliver both,” assures Baptiste. New Opportunities, New Lending Models With increasing urgency to diversify beyond the energy sector, where does BATT see the greatest potential for growth? “Significant opportunities exist in renewable energy, technology and digital services, agribusiness, healthcare, the creative industries, and exportoriented SMEs (Small and Mediumsized Enterprises),” says Baptiste. Affirming the banking sector’s ability to support the development of these nontraditional areas, Baptiste is firm: “Banks can play a catalytic role by strengthening capacity building initiatives, offering advisory services, and developing structured credit frameworks and graduated financing ladders that support businesses at different stages of growth.”

By Kay Baldeosingh-Arjune Through these approaches, banks can help entrepreneurs build resilience, improve financial management, and progressively access larger pools of capital as they scale, he explains. BATT recognises that access to finance remains a major challenge, particularly for SMEs and non-traditional businesses that may lack conventional collateral or extensive operating histories, Baptiste adds. To overcome this, institutions must rethink their approach to credit. “Lending models must increasingly incorporate cash-flowbased assessments, alternative data, and sector-specific risk approaches,” he advises. Breaking Down Barriers The BATT President also emphasises the importance of ensuring that available capital is efficiently allocated to productive sectors against the current backdrop of tightened liquidity. “To improve capital deployment, Trinidad and Tobago must accelerate the implementation of digital identity and e-KYC (Know Your Customer) frameworks, modernise collateral and insolvency regimes, deepen capital markets, and improve informationsharing infrastructure,” says Baptiste. In this regard, he views the Central Bank of Trinidad and Tobago’s (CBTT) fintech licensing framework and the stock exchange’s ongoing development of GSS+ Bond Guidelines as significant milestones. “Collectively, they position Trinidad and Tobago to become a more innovative, diversified and internationally competitive financial centre,” he says. Reducing friction across the financial ecosystem will also help channel capital more quickly and efficiently into productive investment, and support economic diversification, Baptiste adds. Obstacles that slow the flow of capital into productive investments include paper-based processes, lengthy collateral enforcement and insolvency procedures, information gaps relating to SMEs, and high compliance costs.

Who’s Who In Trinidad & Tobago Business 2026-2027

MONETARY AND FINANCIAL SECTOR MONETARY AND BANKING AGGREGATES Jan-26 (TT$ Bn)

Y-o-Y Per Cent Change



7.7

5.6

 

90.4

5.4



27.2 27.6 32.5

5.7 5.9 5.2



103.7

-0.2

 

  



LATEST PERIOD:

         









Source: Economic DataPack, March 2026, Central Bank of Trinidad & Tobago

MONETARY AND BANKING AGGREGATES

Year-on-

Monetary Base

Narrow Money Supply (M1-A)in today’s Such a framework is critical 11 Broaddriven Money world. Supply (M2) digitally According to the Broad Money Supply (M2*)12 2024 Boku Global Ecommerce Report, 13 Broad Money Supply (M3) which features data from 37 countries, SupplyAccount-to-Account (M3*)14 the Broad globalMoney consumer (A2A) market is forecast to rise from 60 billion transactions in 2024 to over 185 Consolidated Private Sector Credit billion by 2029, a 209% increase. A2A (TT$ Billion) payments funds directly between Credit totransfer Private Sector bank accounts, bypassing intermediaries Of which: such as credit card networks. It is Business Loans therefore essential to ensure these Consumer Loans transactions are secure and compliant. Real Estate Mortgage Loans

The goal, Baptiste notes, is to maintain Financial System Assets (TT$ Billion) strong prudential standards while creating a Bank regulatory environment Central thatCommercial encourages innovation, Banks efficiency, and competitiveness. Non-Bank Financial Institutions Thrift Institutions

In this regard, the CBTT has been Long term Insurance leading stakeholder General Insurance discussions on the Occupational Payment System and Services Pension Funds (PSS) draft Bill, which aims to provide Credit Unions (est.) stronger consumer protection and Development Banks enable faster, more inclusive digital Deposit Insurance Corporation payments. “This is about building a National Insurance Board financial system that works for everyone,” Unit Trust Corporation the Central Bank notes on its website. Source: Central Bank of Trinidad and Tobago

T&T: A Regional Financial Hub Trinidad and Tobago’s financial system can also support the wider region, as reflected in Republic Bank’s

successful buyout bid for Cayman National Corporation. With the local Aug-25 Sep-25 Oct-25 Nov-25 financial landscape comprising 7.3 7.3 7.4 both indigenous and foreign-owned 7.6 42.9 41.9 41.4 that 41.2 institutions, Baptiste observes 40.7 40.5 40.5 these organisations have, over the 40.7 13.2proven to 13.7 13.8sources13.7 years, be valuable of talent, governance standards, 29.0 28.9 and 28.1 capital for29.4 their majority 0.6 both locally 0.6 0.6 0.6 owners, and abroad.

Latest Comparative capacity of our institutions to Year Period Period Per cent export financial expertise, facilitate Dec-25 Jan-26 Jan-25 Change regional integration, and support 7.7 7.7 7.3 economic development throughout5.6 42.8 41.7 44.0 -5.3 the Caribbean,” he says.

20.7 20.0 21.2 “This reality reinforces Trinidad and22.5

21.7 22.3 of a catalyst is21.9 the development

-1.9

104.8 103.7 103.9 and innovation-driven financial

-0.2

4.3

4.5

4.4

50.3 potential 49.3 as a regional 48.8 Tobago’s 104.1 hub 103.5 103.1the financial and highlights 132.3

132.9

132.1

4.4

48.8 103.1 132.1

108.4

107.6

107.1

107.2

137.2

137.6

136.6

136.7

“This reality reinforces Aug-25 Sep-25 Oct-25 Nov-25 Trinidad 88.7 88.8 and 88.9 89.6 Tobago’s 27.0 27.1 26.9 potential as26.9 26.7 26.8 26.9 27.3 a 31.8regional 31.8 32.1 32.3 financial hub and 2018 2019 2020 2021 highlights the 65.4 60.3 59.8 57.5 capacity of156.8 our 157.1 140.4 149.1 institutions to 12.4 9.0 9.7 10.1 0.1 0.1 0.1 0.1 export43.1financial 40.8 42.4 43.1 expertise, 5.7 6.0 6.3 6.4 51.4 54.7 55.0 59.6 facilitate regional 17.0 17.7 17.5 18.5 integration 4.9 5.0 5.2 5.5 and support 3.4 3.6 3.9 4.2 28.1 30.2 29.9 32.2 economic 21.5 22.8 23.8 25.5 development throughout the Caribbean.” Central Bank of Trinidad and Tobago Page 14

40.3

40.4

40.1

14.1 12.5will What is the13.9 key driver that

0.7

10.8

firmly cement T&T’s position as

28.8 28.4 26.1 of the 8.6 the premier financial capital 0.6 Caribbean?0.6 According to0.6the BATT12.3 4.4 4.4 single most 4.1 critical5.5 President: “The

50.5 49.4 digitally 51.3 fully integrated, enabled -3.7

133.6 132.0 ecosystem supported130.0 by modern 1.5

108.9 107.7 107.8 regulation, harmonised securities -0.1

138.3 136.7 legislation and strong 134.4 public-private1.7 Year-oncollaboration.” This central shift Latest Comparative Year Period Period will facilitate more seamless crossPer cent borderJan-26 capital market transactions, Dec-25 Jan-25 Change

reduce regulatory fragmentation and 89.9 90.4 85.8 5.4 “unlock greater investment flows within the27.2 Caribbean,”25.7 he explains.5.7

26.9

27.5

27.6

26.0

5.9

0.1

T&T already possesses many of 32.5 30.9 5.2 the essential building blocks to realise this vision: a sophisticated 2022 2023 2024 2025 banking sector, deep institutional expertise,55.0 a well-established 55.6 51.8 50.9 regulatory161.0 framework,164.6 and a 158.9 166.6 highly skilled 14.7 15.7workforce. 13.4 13.4 32.3

0.1

“We must 46.1 continue embracing digital 43.6 45.6 46.4 transformation, 6.8 7.4 deepening 7.9 capital 8.1

markets, strengthening financial 59.0 58.3 58.9 infrastructure, fostering innovation, 18.5 18.5 18.5 18.5 expanding regional integration and 5.9 6.1 7.3 7.5 creating an enabling environment for 4.6 4.9 5.3 5.8 investment and entrepreneurship,” 29.9 28.7 27.6 27.0 the BATT President stresses.

57.4

25.1

25.2

25.3

“If we can align around this shared vision, Trinidad and Tobago is well positioned not merely to participate in the Caribbean’s financial future, but to lead it.”

Banking, Investment and Financial Services

Modern Frameworks for a Digital Age Monetary and Banking Aggregates BATT’s central message for advancing (TT$ Billion) business, entrepreneurship, and Currency in Active Circulation economic development is that Trinidad andDemand TobagoDeposits requires a modern financial Savings Deposits framework, underpinned by appropriate lawsTime andDeposits regulations. “Priority should Foreign Deposits be given toCurrency modernising frameworks Commercial Banks that support digital financial services, NFIs including digital identity, e-KYC, and Foreign Deposits ($US Bn) payments Currency legislation,” he emphasises.

Banking, Investment and Financial Services

BEYOND WEALTH:

Building Legacies That Endure Across the Caribbean, we are witnessing the emergence of a new generation of wealth creators. Family-owned businesses are expanding beyond their founders, entrepreneurs are building enterprises that compete on a regional and international stage and more individuals are taking an active role in securing their financial futures. This progress is encouraging, but it also presents an important challenge. While many have focused on creating wealth, far fewer have considered how that wealth will be preserved, grown and ultimately passed on. The defining question for Caribbean families and businesses is no longer simply how to build wealth, but how to transform it into a lasting legacy. The true purpose of wealth extends beyond accumulation. When managed effectively, it becomes a catalyst for opportunity, continuity and impact. It supports future generations, strengthens businesses and contributes to the long-term prosperity of our communities and economies. Achieving this requires a disciplined and longterm approach to wealth management. Every investor’s journey is unique and successful outcomes depend on investment solutions that are aligned with individual goals, risk appetites and investment horizons. At Guardian Asset Management, we have seen first-hand the value of tailored strategies and trusted partnerships in helping clients navigate changing market conditions while remaining focused on their long-term objectives. For businesses, legacy is often built through growth and sustainability. Capital markets play a critical role in this process by providing

access to funding for expansion, innovation and strategic investment. They also offer companies valuable tools for managing debt obligations and strengthening financial resilience. Beyond this, vibrant capital markets serve as a bridge between savings and opportunity, supporting entrepreneurship, job creation and economic development across the region. Technology is also reshaping the investment landscape. Today’s investors have unprecedented access to information, insights and financial tools. Becoming digitally savvy is no longer a competitive advantage; it is a fundamental requirement for effective wealth management. However, while technology can enhance access and improve decisionmaking, it remains an enabler rather than a substitute for sound judgement, professional guidance and long-term thinking. Ultimately, building a legacy requires more than financial success. It requires thoughtful succession planning, strong governance structures, financial education and open conversations about the future. The most enduring legacies are not measured solely by the assets that are transferred, but by the values, opportunities and sense of purpose that are passed on alongside them. As a region, we have an opportunity to build stronger foundations for future generations. The decisions made today by business leaders, investors and families will shape not only their own futures, but the future prosperity of the Caribbean as a whole. Our responsibility is not merely to build wealth, but to steward it wisely and transform today’s success into tomorrow’s legacy.

The true purpose of wealth extends beyond accumulation. When managed effectively, it becomes a catalyst for opportunity, continuity and impact. It supports future generations, strengthens businesses and contributes to the long-term prosperity of our communities and economies.

Banking, Investment and Financial Services

MIGUEL MARTINEZ President, Guardian Asset Management

Banking, Investment and Financial Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Banking, Investment and Financial Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Banking, Investment and Financial Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Banking, Investment and Financial Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Banking, Investment and Financial Services

Advertorial

Driving Dreams for Generations: The Enduring Legacy of Caribbean Finance Company Limited SHERRINE GORDON Chief Executive Officer

Executive Team

Since inception, CFC has been more than just a financial institution; it has been a partner in progress for thousands of citizens. Founded on a bedrock of core family values, we have successfully navigated decades of economic shifts by remaining true to our heritage. While the financial world has become increasingly digital and system-led, CFC continues to pride itself on the strength of its relationships. To step into our office is to experience a culture where you are a name, not a number, and where your aspirations are met with genuine interest and professional care. A Foundation of Care Our company’s philosophy is beautifully encapsulated in its motto: “Offering customized service, focused and caring for all our customers.” This is not merely a slogan; it is the heartbeat of the organization. We take immense pride in witnessing the cycle of success within local families. It is not uncommon to see a long-standing client bring their child or grandchild into the office to secure financing for their first car—a tradition of trust passed down through generations. The Core of the Business: Excellence in Motion Caribbean Finance Company’s core expertise lies in motor vehicle financing. Whether it is a first-time owner seeking a reliable sedan, a growing family requiring an SUV, or an entrepreneur expanding their fleet, CFC provides the fuel for these ambitions. By offering competitive rates and flexible terms, we make vehicle ownership

CLEVE MORRIS Accountant

SEETA NANCY SOBRIAN IT/Administrative Manager

RIA SINGH Credit Manager (San Fernando)

accessible, ensuring that the dream of mobility becomes a reality for a diverse cross-section of the population. Beyond the road, we also offer a robust avenue for wealth preservation via our Fixed Deposit investment product. This offering provides a secure environment for individuals and corporations to grow their capital, backed by the company’s half-century of financial prudence and stability. Vision and Mission for the Future As we look toward the next halfcentury, the roadmap remains clear: Our Mission: To provide high-quality financial services through a customerfocused approach, driven by a commitment to excellence, integrity, and the building of long-term relationships.

SHARLENE RULLOW Recoveries Manager

DANNY JEROME Credit Manager (Port of Spain)

Our Vision: To be the premier indigenous finance company in Trinidad and Tobago, recognized for our personalized service and our contribution to the economic empowerment of our citizens. A Partner for Life In a world of “big banking,” Caribbean Finance Company Limited remains a specialized, agile, and deeply human alternative. By blending 55 years of institutional wisdom with a modern approach to customer service, we continue to drive the nation forward— one vehicle, one investment, and one family at a time. As we celebrate this emerald anniversary, the message to Trinidad and Tobago is clear: your dreams are our business, and our family is here to support yours.

Head Office: 17-19 Tragarete Rd., Port Of Spain, Trinidad • South Office address: #1 Prince Charles Street, Cross Crossing, San Fernando, Trinidad Contact: (868) 612-4081. Website: https://www.cfctt.com/

Banking, Investment and Financial Services

In the dynamic financial landscape of Trinidad and Tobago, few institutions possess the staying power and personal touch of Caribbean Finance Company Limited (CFC). As we celebrate a momentous milestone of 55 years in operation, our company stands as a testament to the power of stability, integrity, and an unwavering commitment to the people of our twin-island republic.

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Celebrating Seventy Years of Strength

PCU’S Legacy of Stability, Prosperity and Trust COLIN EDDY Chief Executive Officer

In an unpredictable economic landscape, financial stability is the ultimate luxury. For the last 70 years the Trinidad and Tobago Police Credit Union has been quietly and steadily building wealth for its members, transforming institutional stability into prosperity. Founded in 1956 to serve the men and women of the Trinidad and Tobago Police Service, PCU began as a modest cooperative, rooted in the principle of mutual self-help. Seventy years later, it stands as one of the most respected financial institutions in the country, a billiondollar credit union whose growth reflects not just the fierce loyalty of its membership, but the vision of successive leadership teams that have guided it through seven decades.

Banking, Investment and Financial Services

The journey to the billion-dollar milestone, in April 2022, was not achieved overnight but earned through disciplined financial stewardship, forward-thinking governance, and a deep understanding that members are not simply account holders but the institution’s backbone.

From its inception at the Old Police Headquarters in Port of Spain, the Credit Union has designed every policy, product, and service with the sole purpose of benefiting its members. The most visible symbol of PCU’s growth is the Credit Union’s landmark headquarters on the Eastern Main Road in San Juan. Modern, accessible, and built to serve the next generation of members, PCU’s Flagship Building represents the physical realisation of decades of investment, sacrifice and aspiration. And it is that next generation that inspired one of the Credit Union’s most ambitious initiatives: the PCU Youth Academy, launched in 2025. Recognising that financial literacy, personal development, and leadership skills must be cultivated early, the Youth Academy is a tangible investment in human potential and the next generation of leaders that will carry PCU’s legacy forward and shape the Trinidad and Tobago of tomorrow. This commitment to investing in human potential is one of the

reasons why, for more than 30,000 loyal members across Trinidad and Tobago, PCU remains a trusted financial partner. It is also a reflection of the values that have transformed the principles of thrift, discipline, and prudent financial management into opportunities to build wealth, achieve goals, and secure a brighter future. As the Credit Union looks ahead to the next chapter, it does so with pride and confidence. The theme of this year’s Annual General Meeting “70 Years, Many Changes, Same Commitment” highlights PCU’s resilience and ability to adapt and grow through economic downturns, social change, and global disruption. Building on this legacy, PCU is investing in digital transformation to deliver greater convenience, accessibility, and efficiency for members wherever they are. The Credit Union is also strengthening its human capital through ongoing staff training, leadership development, and a culture of service excellence, while staying true to the values that have defined its success.

NIGEL REECE Head of Loans and Business Operations

SHAMEEL REID Finance Manager

DONNA FREDERICK Human Resources Manager

NATASHA WILSON-ROSALES Member Services Manager

GILLIAN DICKSON Branch Manager Arima

SHIRVER SYLVESTER-HYPOLITE Branch Manager San Fernando

SHIRLEY COWAN Branch Manager Tobago (Ag)

ROSE ANNA MENDEZ Recoveries Manager

With a strong foundation and growing membership, PCU is ready for the challenges and opportunities ahead with a clear vision: to help members thrive, strengthen its communities, and create intergenerational prosperity. Seventy years. Many changes. The same commitment.

33-35 Eastern Main Road Barataria, Trinidad Tel: (868) 612-4728, (868) 674-6514 / 0963 / 4681 / 675-1296 Email: bdugroup@policecreditunion.com • Website: https://policecreditunion.com/

Advertorial

Strength in Unity, Excellence in Leadership

Synergies That Deliver Results The merger of TTMB and HMB was not simply a consolidation of two entities. It was a strategic alignment that unlocked synergies across operations, technology, and customer engagement. By combining resources, expertise, and networks, the Group has enhanced efficiency, broadened its reach, and created new pathways for growth. Customers now benefit from a more comprehensive suite of products, ranging from flexible mortgage solutions to diversified investment offerings, all underpinned by a stronger capital base and improved risk management. These synergies have positioned TTMB as a leader in mortgage financing and investment solutions, capable of meeting the evolving needs of citizens while contributing meaningfully to national prosperity. Leadership That Inspires Confidence At the heart of TTMB’s success is its leadership team. Guided by a clear vision and disciplined management, the team continues to navigate the organisation through periods of economic uncertainty and regulatory change, ensuring stability and growth. Their commitment to customer empowerment, operational excellence, and prudent oversight has reinforced stakeholder trust and

BRENT MC FEE Chief Executive Officer (Ag)

Board of Directors (Front) : Judy Kalloo – Chairman; Richard A. Ferguson – Deputy Chairman Back (Left to Right) Directors: Christopher Streete, Patricia Dookeran, Che Dindial, Zamanath “Billy” Ali, Nardia Kanhai-Bachan strengthened TTMB’s reputation as a reliable partner in financial services. The leadership team’s focus on innovation and inclusivity ensures that TTMB remains agile, responsive, and aligned with the needs of a diverse customer base. Building Generational Wealth TTMB’s mission extends beyond financial transactions. It is about empowering citizens to build generational wealth, fostering resilience, and contributing to the prosperity of Trinidad and Tobago. Through strategic partnerships, digital transformation, and communit y outreach, TTMB, through stakeholder engagement, continues to expand access to homeownership and investment opportunities. This commitment reflects the organisation’s belief that financial

empowerment is a cornerstone of national development. A Future Anchored in Excellence As TTMB looks ahead, the foundation is strong, the vision is clear, and the leadership is resolute. The merger has created a unified institution that is not only financially robust but also strategically positioned to deliver long-term value. Our core values: Inclusive, Care, Innovation, Trust, and Excellence are embedded in every decision we make and the service we deliver. They define who we are, how we operate, and how we serve our customers and stakeholders. We will continue to serve as a trusted partner in the financial journey of every citizen and our promise remains unwavering: Own your future with TTMB.

It is about empowering citizens to build generational wealth, fostering resilience, and contributing to the prosperity of Trinidad and Tobago. Albion Court, 61 Dundonald Street, P.O. Box 1096, Port of Spain, 100909, Trinidad W.I. Tel: (868) 623-8863 / (868) 625-8863; (868) 624-3262 • Email: info@ttmortgagebank.com • Website: https://ttmortgagebank.com/

Banking, Investment and Financial Services

The Trinidad and Tobago Mortgage Bank (TTMB) stands today as a symbol of resilience, innovation, and strategic vision. With more than six decades of service to the nation, TTMB has consistently demonstrated its ability to adapt, grow, and deliver value to citizens. The merger with Home Mortgage Bank (HMB) has elevated this strength, creating a unified institution with a century of combined expertise and a renewed mandate to drive national development.

Banking, Investment and Financial Services

Who’s Who In Trinidad & Tobago Business 2026-2027

BANKERS ASSOCIATION OF TRINIDAD AND TOBAGO (BATT)

Banking, Investment and Financial Services

Level 1, Invaders Bay Tower, Invaders’s Bay, Port of Spain. Tel: (868) 235-6291. Website: www.batt.org.tt

The Bankers Association of Trinidad and Tobago is a non-profit organisation formed among the commercial banks to promote collaboration on matters of importance to the banking sector.

Nigel Baptiste President

Our Mission is to play a core role in the growth and stability of the financial sector, through advocacy and representation, and to facilitate the provision of the most competitive banking products and services to our customers, with integrity and transparency. Our objectives are: • To foster a collaborative approach for positioning the banking sector in Trinidad and Tobago consistent with international trends, standards, compliance and changing markets and regulatory requirements. • To play an active role in the education of the public on various risk mitigation methods as well as to enlighten them on their financial options.

Keston Howell

Executive Director

• To work as a cohesivebody in partnering with the Central Bank and other local regulatory and business agencies for the development of the banking sector, as well as to enhance their support for the productive sectors of the economy.

Article

From Accumulating Wealth to Protecting It:

A Practical Guide for Generational Planning in T&T By Otis Murray, Head of Investments and Asset Management, KCL Capital Market Brokers Limited*

In Trinidad and Tobago, assembling a mix of assets - through property acquisition, pension contributions, business ventures, and investments lays an important foundation. However, as personal, family, and economic conditions change, the challenge shifts from growing wealth to preserving it. To address these evolving priorities, effective financial management requires a range of strategies: spreading investments across different asset classes, protecting against risks through insurance, ensuring access to cash, managing debt, and planning for the smooth transfer of assets to future generations. Setting Clear Wealth Priorities Every sound financial plan starts with a clear understanding of its goals, outlining the family’s income needs, major future expenses, and the amount to keep readily available for emergencies. Many individuals build wealth around a single pillar: a private business, real estate, a professional practice, a pension, or a portfolio of local bank deposits and securities. This approach works well while income remains strong and the owner stays actively involved, but it becomes more fragile as retirement approaches or as economic conditions shift. A sensible approach aims to establish multiple reliable sources of income - such as dividends, interest, mutual funds, rental income, pension benefits, currency investments, and business distributions - while also allocating assets across various types, industries, and currencies. Including a balance between local and foreign assets can further strengthen long-term financial security. Balancing Cash and Commitments Managing liabilities and maintaining liquidity are equally important, as these steps help safeguard a family’s lifestyle and provide a safety net for unforeseen circumstances.

For those approaching retirement, it is worth reviewing the interest rate, repayment terms, and security attached to every major loan - paying particular attention to variable-rate borrowing and foreign-currency debt, both of which can become more expensive if interest rates rise or foreign exchange becomes more difficult to access.

• Establish clear procedures for settling debts and other expenses.

More broadly, maintaining an adequate cash reserve is essential - enough to cover essential living costs, property expenses, debt payments, and unexpected medical or family needs. This financial cushion gives a family room to make considered decisions, rather than being forced to sell valuable assets during periods of financial stress or market downturns.

• Seek professional advice to ensure all arrangements are properly structured.

Essentials of Robust Wealth Planning A financial plan should work when everything goes well and remain resilient when things do not. Achieving such resilience requires thoughtful planning and risk management. Identify the factors that threaten longterm stability and implement reasonable safeguards, such as maintaining additional cash reserves, reducing debt, diversifying investments, and ensuring adequate life, health, property, and business insurance. Additional actions to strengthen a financial plan include: • Organise financial records so they are current and easily accessible to designated family members or executors. • Establish a will as a foundational estate planning document. • Appoint an executor to oversee the estate settlement process. • Determine how properties and investments will be divided among beneficiaries. • Develop a comprehensive succession plan for families with multiple businesses and properties, or overseas assets.

• Review insurance policies and beneficiary designations periodically. • Utilise legal structures, where appropriate, to hold and transfer assets efficiently.

For business owners, it is essential to plan for future management and ensure successors are both willing and prepared to lead. Early financial education and open family discussions can help equip the next generation to sustain family wealth. Building a Resilient Financial Legacy Preserving wealth does not mean avoiding all risk. Instead, it is about being deliberate in choosing which risks are worth taking and which could threaten a family’s long-term security. In Trinidad and Tobago, protecting assets over the long term depends on several key strategies: generating income from diverse sources; maintaining emergency cash reserves; minimising unnecessary debt; avoiding excessive concentration in any one business, property, or market; ensuring adequate insurance; and putting a clear succession plan in place. This process should begin well before retirement or the onset of a crisis. Proactive planning enables debt reduction, broad investment diversification, the development of alternative income streams, and readiness for the next generation. The real test is whether these resources can continue to provide security, dignity, and opportunity - for the individual, the family, and generations to come. *This article provides general information only and is not investment, legal, or tax advice. Please consult a professional regarding individual circumstances.

Banking, Investment and Financial Services

A robust financial strategy goes beyond simply building wealth; it involves protecting and sustaining assets for the long term.

Construction and Engineering

Building Better: The Future of Construction in T&T

VIJAY GOSYNE, Chairman, NIPDEC (National Insurance Property Development Company Limited)

he construction sector stands as a cornerstone of Trinidad and Tobago’s economy, shaping the nation’s growth and future prospects. As Chairman of NIPDEC (National Insurance Property Development Company Limited), Vijay Gosyne - who oversees some of the country’s most significant projects - is uniquely positioned to offer insight into the sector’s current landscape and emerging opportunities.

Construction and Engineering

Two Forces Shaping Progress “Over the past two decades, the transformation of the construction sector can be viewed from two important perspectives,” says Gosyne. “The first is the scale, complexity and public purpose of the infrastructure delivered. Through agencies such as NIPDEC, the country has advanced critical projects across healthcare, education, security, transportation, water, commercial and public-sector infrastructure.” These projects have improved access to essential services, supported economic activity and strengthened communities. They have also required a more disciplined approach to project management, stakeholder coordination, procurement, cost control and technical supervision.

Reflecting on recent changes, Gosyne explains, “The second major transformation has been the growing national emphasis on transparency, accountability and value for money in the use of public funds. Infrastructure projects must not only be completed; they must be properly scoped, competitively procured and professionally managed. Going forward, these two forces will define the next stage of the sector’s development.” Smarter, Greener Project Delivery He further highlights the organisation’s commitment to modernising project delivery, stating, “Our focus is on delivering smarter projects. We are strengthening each stage of the project lifecycle - from project definition and design coordination

“Over the next three to five years, NIPDEC will prioritise construction and infrastructure that improves national productivity, strengthens resilience and creates long-term economic value for Trinidad and Tobago.” to procurement, construction supervision, commissioning and close-out. We utilise integrated delivery models such as design-build, reducing procurement timelines and minimising costly variations during construction. We are strengthening the use of Building Information Modelling (BIM), electronic document management and real-time project reporting to improve collaboration, minimise rework and support evidence-based decision-making.” NIPDEC has also integrated green technologies into its projects, such as upgrading Heating, Ventilation, and Air Conditioning (HVAC) Systems to reduce power consumption and cost - for example, at the NALIS Building Cooling Tower - and including electric vehicle charging stations in new public facilities. Safety, quality and environmental stewardship are integral to how NIPDEC manages construction projects. They are not treated as separate

By Sheldon Waithe compliance requirements, but as core elements of responsible project delivery aiming to provide infrastructure that is resilient, responsible and sustainable. Building Value Through PPPs Reflecting on PPP prospects, Gosyne clarifies, “PPPs should not be viewed simply as a financing mechanism. Their real value lies in creating well-structured, bankable projects where risks are properly allocated, performance standards are clear, lifecycle costs are considered, and citizens receive measurable benefits.” The most likely PPP candidates, Gosyne asserts, are sectors and projects that can generate long-term economic and social value. These include the redevelopment of State-owned properties, mixeduse commercial developments, healthcare and educational facilities, as well as carparks and warehousing infrastructure. With its extensive experience in project management, procurement, property development, and facilities management, NIPDEC is well positioned to advance this agenda. Summing up NIPDEC’s vision, Gosyne concluded, “Our role is to help structure projects that are transparent, commercially sound and aligned with national development priorities. Over the next three to five years, NIPDEC will prioritise construction and infrastructure that improves national productivity, strengthens resilience and creates long-term economic value for Trinidad and Tobago. We will continue to explore opportunities to leverage project management, procurement and infrastructure delivery expertise across the wider Caribbean.” “Ultimately, unlocking growth is not about building more for its own sake. It is about building better - investing in infrastructure that removes bottlenecks, supports business, strengthens communities, attracts investment and leaves the country with assets that last for generations.”

Who’s Who In Trinidad & Tobago Business 2026-2027

Engineering T&T’s Next Chapter: Discipline, Delivery, and Resilience

wo main forces have shaped Trinidad and Tobago’s engineering sector over the past 20 years. First, procurement has shifted toward contractor-led consortia for major capital projects, altering roles, risk allocation, and decision-making. “Large capital programmes have moved from designer-led to contractor-led delivery, which has fundamentally changed how and when professional inputs shape outcomes,” says Association of Professional Engineers of Trinidad and Tobago (APETT) President Ian Cox. Second, digital tools have improved modelling and communication but have not diminished the core professional responsibilities. “Digital tools can accelerate production, but they do not replace deliberation or transfer liability. The responsibility for sound judgment remains with the engineer.” Delivering Innovation, Safeguarding Standards In light of these shifts, Cox advocates for a fundamental change in how clients engage engineers, particularly outside the formal sector, where professionals are often involved only after problems arise. “Engage engineers at concept, not as emergency responders. Early technical input prevents failures and reduces whole-life cost.” He encourages funders and employers to require that a registered engineer lead and approve work, support association membership and continuing professional development (CPD), and use credential checks, such as Board registration and recognised verification platforms, to confirm professional qualifications. He also emphasises the importance of validating methods and materials for local soils, loads, climate, and affordability, rather than indiscriminately adopting solutions. “One size does not fit Trinidad and Tobago. Solutions must be proven in our context,” Cox notes, cautioning against copying designs or using untested construction systems. Approvals: From Bottleneck to Catalyst Cox identifies approvals as the main constraint on quality, safety, and project timelines. Stricter lending rules requiring approvals before property loans are

IAN COX, President, Association of Professional Engineers of Trinidad and Tobago (APETT)

“Engage engineers at concept, not as emergency responders. Early technical input prevents failures and reduces whole-life cost.” granted have increased the workload for agencies already operating at capacity, causing minor delays to escalate into wider slowdowns. “Approval timelines have become a macro-level constraint - each day in the queue is capital sitting idle. We need faster, accountable reviews without weakening safeguards.” He proposes a practical solution: supplement state review teams with vetted external technical reviewers, engaged on a per-project basis but reporting within the government framework across relevant agencies. He supports digital initiatives like DevelopTT and streamlined sign-offs, but notes that increasing technical capacity remains essential. Consistent early engineering input across all projects reduces rework and failures, especially in small and medium-sized builds and residential developments where informal providers are common.

“The most effective disaster response is engineered in advance - through drainage, coastal protection, seismic detailing, and transport networks that preserve emergency access.”

Building Boldly for the Future With the Government’s National Infrastructure Revitalisation Blueprint and recent comments from Minister of Tertiary Education and Skills Training, Prof. Prakash Persad, at APETT’s Annual Technical Conference (ATC) 2026, it is clear that engineers will be in high demand. In response, APETT’s capacity strategy focuses on mobilisation rather than expansion. “We have capacity in waiting. The priority is mobilisation - CPD aligned to market needs and structured mentorship to accelerate productivity.” In partnership with the Board of Engineering of Trinidad and Tobago (BOETT), APETT will intensify CPD, tailor content to immediate delivery needs, and expand mentorship to help graduates contribute sooner and support professionals returning to T&T from the Caribbean region. In the next 12 to 24 months, the profession will focus on prevention. “The most effective disaster response is engineered in advance - through drainage, coastal protection, seismic detailing, and transport networks that preserve emergency access and egress.” Regarding transit and connectivity, Cox recommends strategising for the actual transport system in use: “Plan for the system we operate, maxi taxis and private hires as well as transport modes under the Public Transport Service Corporation (PTSC).” APETT advocates for practical innovation where evidence demonstrates local effectiveness and lasting value. “Back innovations that extend asset life and reduce whole-life cost, such as rubberised asphalt from waste tyres and targeted solar at utilities.” Advancing digital delivery, which de-risks projects through tools such as coordinated design models, transparent approval tracking, and data-driven maintenance, is a priority that the profession supports. Looking ahead, Cox positions engineering as essential to national resilience and competitiveness, supported by standards-driven procurement, lifecycle value, hazard-ready design, and ongoing upskilling to build lasting capability. “Do it once, do it right, and make it last.”

Construction and Engineering

By Natalie Dookie

Construction and Engineering

Who’s Who In Trinidad & Tobago Business 2026-2027

Construction and Engineering

Who’s Who In Trinidad & Tobago Business 2026-2027

Article

Transcending Borders: Positioning T&T Firms to Lead Caribbean Construction Exports By Kieran Andrew Khan

Across the Caribbean, hundreds of millions of dollars are being directed into transport, water, energy and climate-resilient infrastructure, creating a growing pipeline of projects for construction and engineering firms.1 For local contractors, engineers, and consultants dealing with a slow domestic market, these projects offer more than just opportunities in neighbouring countries - they represent valuable export business.

Construction and Engineering

Three major areas driving demand are: multilateral-funded infrastructure, climate-resilient construction and the expanding energy economies of Guyana, Suriname and the wider Caribbean. Trinidad and Tobago already commands advanced expertise in civil engineering, project delivery, and industrial services, honed through decades of complex infrastructure projects. The real test is mobilising these capabilities building regional alliances, navigating procurement and regulatory hurdles, and winning contracts in an increasingly competitive Caribbean marketplace.

Unlocking Opportunities with CDB The Caribbean Development Bank’s (CDB) investment priorities include modernising road networks, rehabilitating seaports and airports, and improving drainage and coastalprotection systems.2 At its 2025 annual news conference, the Bank reported that it had disbursed US$323 million in loans and grants during 2024. Its investments included US$22.8 million for watersupply and transmission improvements in Saint Lucia and approximately US$15 million for Grenada’s Sauteurs Coastal Protection Project.3 CDB has also identified a medium-term pipeline expected to generate more than US$750 million in concessional climate financing for resilient transport, water, energy, agriculture and food security.4

These investments create opportunities across every stage of project delivery: feasibility studies, geotechnical investigations, engineering design, cost planning, construction supervision and civil works. The strongest route into these markets is through consortia combining Trinidad and Tobago’s technical capacity with local partners who possess in-depth knowledge of each territory’s licensing, labour and procurement requirements. Resilience: A New Project Baseline Climate resilience has emerged as a distinct and essential pillar of modern infrastructure planning. As a result, Caribbean states must strengthen drainage, coastal roads, ports, water systems and public buildings against flooding, erosion, storm surge and increasingly disruptive weather. Meeting these challenges requires a blend of traditional engineering solutions - such as seawalls, breakwaters, and retention basins - as well as approaches like mangrove restoration, watershed management, and other nature-based interventions.5 Development institutions are increasingly integrating climate resilience into financing, project preparation and procurement requirements. CDB approved US$226.7 million for climate-action initiatives in 2025, approximately half of its total project approvals for the year.6 Emerging Frontiers in Energy The energy sector represents the region’s most significant opportunity for specialist construction and engineering firms. Guyana’s offshore oil and gas industry is driving this surge, with continuous expansion and large-scale investments. ExxonMobil reported in late 2025 that the Stabroek Block’s seven sanctioned developments represented more than US$60 billion in committed investment, with additional production projects scheduled through 2029.7

Footnotes 1. Caribbean Development Bank, “2026 Annual News Conference,” February 25th, 2026. https://www.caribank.org/newsroom/news-and-events/2026-annual-news-conference 2. Caribbean Development Bank, “Infrastructure.” https://www.caribank.org/our-work/sectors/infrastructure 3. Caribbean Development Bank, “2025 Annual News Conference,” January 22nd, 2025. https://www.caribank.org/newsroom/news-and-events/2025-annual-news-conference

Associated opportunities extend beyond offshore platforms to encompass shore bases, fabrication facilities, logistics centres, ports, pipelines, roads and industrial services. Guyana’s Gas-to-Energy development at Wales also incorporates a naturalgas pipeline, a natural gas liquids plant and a 300-megawatt power facility. Construction activity is continuing in 2026, with the first power turbine expected online by the end of the year.8 Suriname is advancing its own major projects. TotalEnergies and APA Corporation approved the US$10.5 billion GranMorgu development in Block 58. The project includes a floating production, storage and offloading vessel designed to produce 220,000 barrels per day, with first oil expected in 2028.9 Geographic proximity alone does not guarantee Trinidad and Tobago firms a role in these projects. Guyana and Suriname are building robust local-content capacity, while international contractors offer scale, financing, and established supply chains. Beyond hydrocarbons, the regional shift toward sustainable energy is opening substantial new avenues for investment and project development. CARICOM’s sustainable-energy framework established a target of generating 47% of regional electricity from renewable sources by 2027, encouraging investment in solar, geothermal energy, battery storage, microgrids and grid modernisation.10 Securing Cross-Border Opportunities To successfully compete for export contracts, Trinidad and Tobago firms must move early to register and prequalify with relevant authorities, establish credible joint ventures with local partners, maintain internationally recognised certifications and sector-specific

4. Caribbean Development Bank, “Building Resilience to Climate Change and Disasters in the Caribbean,” January 22nd, 2025. https://www.caribank.org/publications-and-resources/resource-library/conference-proceedings/building-resilienceclimate-change-and-disasters-caribbean-speech 5. Caribbean Development Bank, “Partnerships and Investments for a More Climate-Resilient Caribbean.” https://www.caribank.org/publications-and-resources/resource-library/brochures/partnerships-and-investments-moreclimate-resilient-caribbean

Who’s Who In Trinidad & Tobago Business 2026-2027

Mapping Regional Construction & Engineering Export Strengths OPPORTUNITY

REGIONAL DEMAND

EXPORTABLE T&T CAPABILITIES

Roads, ports, airports

Civil engineering, design, surveying, project management

Drainage, coastal protection, resilient public assets

Marine engineering, environmental services, specialist construction

Offshore & onshore support infrastructure

Fabrication, industrial construction, inspection, energy services

Solar, geothermal, storage & grid upgrades

Electrical engineering; Engineering, Procurement, and Construction (EPC) services; energy-efficiency expertise

Transport & Logistics

Climate Resilience

Oil & Gas

Renewable Energy

accreditations (such as ISO), and demonstrate sufficient financial capacity and bonding to meet large-scale project requirements. Winning work will require more than technical competence. T&T firms need to develop regional market intelligence, invest in procurement expertise, and align operations with the increasingly stringent certification, local-content, and compliance frameworks in markets like Guyana and Suriname. In this environment, a deliberate export strategy is essential for securing cross-border contracts and competing effectively across the region.

The Caribbean’s challenge is not a lack of projects, but a shortage of qualified firms capable of delivering them. Trinidad and Tobago already commands advanced technical expertise and project delivery experience. The next imperative is to strategically package these capabilities, establish a regional presence, and deliver demonstrable results across the region. Footnotes 6. Caribbean Development Bank, “CDB Climate Finance Investment Doubled to USD226.7 Million in 2025,” March 12th, 2026. https://www.caribank.org/newsroom/news-and-events/cdb-climate-finance-investment-doubledusd2267-million-2025 7. ExxonMobil Guyana, “Daily Oil Production Hits 900,000 Barrels in Guyana’s Stabroek Block,” November 12th, 2025. https://corporate.exxonmobil.com/locations/guyana/news-releases/11122025-daily-oil-productionhits-900000-barrels-in-guyanas-stabroek-block 8. Department of Public Information, Government of Guyana, “Wales Gas-to-Energy Project Advancing Rapidly,” May 14th, 2026. https://dpi.gov.gy/press-release-wales-gas-to-energy-project-advancing-rapidly/ 9. TotalEnergies, “Suriname: TotalEnergies Announces Final Investment Decision for GranMorgu,” October 1st, 2024. https://totalenergies.com/newsroom/suriname-totalenergies-announces-final-investment-decisiongranmorgu/ 10. CARICOM, “CARICOM Observes International Day of Clean Energy 2025,” January 26th, 2025. https://caricom.org/caricom-observes-international-day-of-clean-energy-2025/

Construction and Engineering

Government and business associations can facilitate the export shift by providing timely tender notifications, access to export financing, support with compliance processes, and organising coordinated trade missions.

Education, HR and Professional Services

Beyond Degrees:

Building a Flexible Education System in T&T COLLEGE OF SCIENCE, TECHNOLOGY AND APPLIED ARTS OF TRINIDAD AND TOBAGO (COSTAATT)

Education, HR and Professional Services

rinidad and Tobago’s education and skills ecosystem has undergone significant transformation over the past two decades. Economic volatility, changes to the Government Assistance for Tuition Expenses (GATE) policy, rapid technological advancements, and the COVID-19 pandemic have accelerated the shift toward a skillsbased economy. As the College of Science, Technology and Applied Arts of Trinidad and Tobago (COSTAATT) notes, “While oil and gas remain important, the country’s long-term competitiveness increasingly depends on skills in digital technology, health, sustainability, entrepreneurship, advanced services, and the creative economy.”

Modular credentials such as CXC’s Caribbean Targeted Education Certificate (CTEC) can help shift the region away from an “all-ornothing” examination culture towards competency-based progression.

Policy Shifts Meet Digital Transformation While the GATE programme expanded access to higher education, subsequent changes in funding and eligibility criteria have impacted enrolment patterns and affordability.

Aligning Skills with Economic Needs In addition to these structural measures, COSTAATT has identified six priority skill areas crucial to enhancing Trinidad and Tobago’s economic competitiveness:

At the same time, shifts in digital tools and instructional methods have transformed both teaching and learning. COSTAATT points out, “Artificial intelligence, automation, cybersecurity, data analytics, digital business platforms, virtual learning, and simulation-based training are no longer optional - they are essential for workforce readiness and economic resilience.” The pandemic accelerated these trends, exposing disparities in digital access and underscoring the urgent need for more flexible learning pathways, enhanced support systems, and expanded opportunities for upskilling and reskilling. Pathways to Educational Mobility COSTAATT says that clear pathways between secondary school qualifications, Technical and Vocational Education and Training (TVET) certifications, workplace learning, and higher education are essential for enabling lifelong learning and a more adaptable workforce.

To further support these avenues, COSTAATT supports articulation agreements, prior learning recognition, bridging programmes, and common credit frameworks. It emphasises that stackable pathways are particularly important for adult learners, school leavers, and working professionals who may benefit from second chances to continue or restart their education, as well as those seeking to upskill or reskill quickly.

• digital technologies • health and allied health services (non‑medical health professions that diagnose, treat, and support patients) • the green and blue economy • technical and vocational expertise • entrepreneurship and small business capability • human capability The institution observes that, although demand is rising for specialised skills in areas like artificial intelligence, cybersecurity, renewable energy, and healthcare, employers increasingly prioritise communication, leadership, critical thinking, and resilience - skills that are foundational for employability. To bridge the gap between education and workforce requirements, COSTAATT recommends deeper collaboration between educators and industry. This can be achieved through labourmarket intelligence, advisory boards, apprenticeships, internships, live projects (real-world assignments for industry clients), shared resources, industry certifications, and co-funded training.

By Bavina Sookdeo The TechHub and Upskilling Academy COSTAATT says its recently launched TechHub and Upskilling Academy are important steps in this direction, linking education, innovation, and workforce needs. The TechHub offers students and industry with access to emerging technologies, including virtual reality, drones, 3D printing, digitisation, cybersecurity tools, resources for artificial intelligence (AI) development, and applied digital platforms. The Upskilling Academy enables COSTAATT to respond quickly to market needs through short courses, bootcamps, workshops, micro-credentials, and customised training solutions. The institution notes that this “provides flexible opportunities for individuals and organisations to upskill, reskill, and remain competitive in a rapidly changing economy.” A Caribbean Model for Education and Skills Trinidad and Tobago has the opportunity to lead the region in applied higher education and workforce transformation by building an inclusive, skills-driven system that champions lifelong learning through innovative, flexible approaches. Key priorities include expanding access for working adults, rural communities, people with disabilities, and school leavers; enhancing curriculum quality and student outcomes; integrating employability into programme design; embedding technology throughout education; and deepening regional and international partnerships. COSTAATT recognises that achieving this vision will require sustainable funding, flexible regulation, robust credit-transfer systems, labour-market data sharing, publicprivate partnerships, and the development of a national qualifications framework. The institution underscores: “The future of education in Trinidad and Tobago is not going to be defined only by degrees. It will be defined by whether we can help people learn continuously, adapt confidently, work productively, and contribute meaningfully to national development.”

Who’s Who In Trinidad & Tobago Business 2026-2027

Unlocking Human Capital in T&T: From Brain Drain to Talent Retention

rinidad and Tobago recorded 8,000 new jobs in the fourth quarter of 2025, according to the Central Statistical Office. While this marks a positive trend, Kandice Cunha-Thompson, CEO of Eve Anderson Recruitment Limited and President of the Trinidad and Tobago Organisation for Recruitment Service Providers (TTORSP), points out that these gains are set against a backdrop of ongoing changes in the labour market. The Talent Economy Energy-sector boom-and-bust cycles, digital transformation, migration and ‘brain drain’, and the COVID-19 pandemic have all reshaped workforce expectations and business operations. Amid these changes, Cunha-Thompson notes a key shift in the labour market: the transition from a traditional “job-for-life” culture to a talent economy. “Recruitment and human resources (HR) have evolved from largely administrative functions into strategic business disciplines focused on attracting, developing, and retaining talent,” she explains. This shift is also transforming what keeps employees engaged. As Cunha-Thompson observes, “Salary is no longer the primary driver of retention. While competitive and transparent compensation remains important, employees are increasingly evaluating employers based on what I call the whole-life proposition.” Many professionals now prioritise supportive leadership, organisational culture, flexibility, and work-life balance alongside salary, while employers face increasing pressure to secure specialised talent in a highly competitive market. Hybrid work arrangements, personalised benefits such as mental health resources, professional development, wellness initiatives, and clear career advancement pathways have become powerful retention tools. To encourage wider adoption, Cunha-Thompson advocates modernising labour legislation to enable flexible work, while also increasing investment in workforce development, digital infrastructure, childcare services,

KANDICE CUNHA-THOMPSON, CEO, Eve Anderson Recruitment Limited and President, Trinidad and Tobago Organisation for Recruitment Service Providers (TTORSP)

“The countries and organisations that will thrive in the future are those that view human capital as a competitive advantage and invest accordingly.” and initiatives to promote living wages for long-term talent retention. Closing the Skills Gap The concept of ‘brain drain’ has evolved and now extends beyond the migration of doctors and engineers. Today, Trinidad and Tobago is increasingly experiencing the loss of project managers, HR professionals, healthcare workers, skilled tradespeople, and experienced middle managers. Remote work has also created what Cunha-Thompson describes as ‘the new brain drain,’ where professionals reside locally but work for overseas employers. This trend, she explains, contributes to longer recruitment timelines, higher salary expectations, and persistent skills shortages. While CARICOM labour mobility, diaspora engagement, and return incentives can help address talent gaps, she maintains that their success depends on removing administrative barriers and pairing them with stronger education and training programmes to better match workforce needs. Comprehensive workforce development and retention strategies are also essential. Current recruitment trends indicate persistent shortages in the skilled trades despite their strong earning potential. Gaps are also evident in digital

and technology roles, shipping and maritime services, and in experienced project managers, compliance professionals, and middle managers. Cunha-Thompson notes that wage compression at the mid-management level is also impacting retention, as salary growth has not kept pace with rising entrylevel wages. She asserts, “Priority should be given to strengthening talent pipelines in the skilled trades, digital economy, logistics and maritime sectors, healthcare, and professional services including legal, project management, compliance, and business leadership roles.” Addressing these gaps, she argues, will boost productivity and innovation, strengthen competitiveness, and promote long-term economic growth and diversification. A Regional Knowledge Economy Hub Trinidad and Tobago is well positioned to become a regional knowledge economy hub. Achieving this will require strengthening organisational culture, deepening partnerships between employers and educational institutions, and embracing artificial intelligence to enhance - not replace - human talent. Cunha-Thompson adds that investment in employee wellbeing, lifelong learning, and workplace collaboration will be critical for sustained competitiveness. Capitalising on these opportunities will also require modernised labour legislation through continued dialogue on sustainable wage policies, stronger labour market intelligence, and greater investment in human capital. As Cunha-Thompson maintains, “The countries and organisations that will thrive in the future are those that view human capital as a competitive advantage and invest accordingly.” Ultimately, she concludes that Trinidad and Tobago’s competitiveness will hinge on empowering local talent to thrive amid technological change: “What we need is the institutional will to build systems and strategies that fully harness and support our talent.”

Education, HR and Professional Services

By Bavina Sookdeo

Education, HR and Professional Services

Who’s Who In Trinidad & Tobago Business 2026-2027

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Education, HR and Professional Services

What if the greatest risk to your business is losing your competitive advantage? At The University of the West Indies (The UWI), St. Augustine Campus, ingenuity has never been viewed as research for research’s sake. The UWI has made significant strides in addressing emerging market shifts with innovative product formation. Through the UWIMade brand, the campus is transforming decades of original research, discovery and technical expertise into commercially viable ventures that solve real-world problems and create new opportunities for growth.

Perhaps it’s an existing solution administered in a completely different way. Either way, innovation is driven by making it easier for clients to do what they are desperately trying to accomplish.

Its growing portfolio reflects this philosophy. UWI Fine Cocoa Ltd has built on the internationally acclaimed work of the Cocoa Research Centre to produce premium chocolate while supporting local farmers and strengthening Trinidad and Tobago’s position in the global fine cocoa market. UWI Seal-It Ltd manufactures unique high-performance roof sealants engineered for Caribbean conditions. Biophyt 1.0 offers custommade environmentally responsible crop protection solutions for sustainable agriculture. Humankind Studios delivers professional creative storytelling through cinematic production, while UWI Optical combines clinical excellence, education and community outreach to improve eye health and expand access to quality optical services.

Market-Led Innovation While innovations themselves are proud milestones, The UWI has firmly demonstrated its ability to develop marketled offerings: new products and services that tap into an unmet market need. Perhaps it’s a niche market.

Partnerships and National Development The University of the West Indies is open to partnerships that better our national environment and address community needs. Whether the partnership starts with an existing solution we have developed, or you have identified a market gap that your company would like to offer solutions for, it’s a conversation we would love to have. Find out how The UWI’s technical research and support can work for you. Interested in what’s next? Let’s create it together!

The University of the West Indies is open to partnerships that better our national environment and address community needs. Visit us at https://sta.uwi.edu The University of the West Indies, St. Augustine Campus Ms Miriam Self, Senior Programme Officer, Office of the Campus Principal Email: miriam.self@uwi.edu | Tel: (868) 662-2002 ext 83956

Education, HR and Professional Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Education, HR and Professional Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Article

The Future of Exports:

Will Not Fit in a Container By Secretariat, Trinidad and Tobago Coalition of Services Industries (TTCSI)

For too long, the export conversation in Trinidad and Tobago has been framed narrowly. When people hear the word ‘export,’ they think first of goods. They think of products being manufactured, packaged, shipped and sold overseas. However, in a modern economy, value also crosses borders through expertise. Services Exports Drive Growth Global commercial services exports totalled US$8.69 trillion in 2024, and in 2025 services accounted for 27.6% of world trade, the highest share recorded since 2005.

Education, HR and Professional Services

Businesses in T&T export whenever they earn revenue from an overseas client. Those exports may include consultancy,

training, design, software, digital solutions, engineering, advisory services, tourism experiences, creative work, education, logistics coordination or technical expertise. Exports also encompass knowledge, skills, systems, and professional services. If T&T is serious about diversification, foreign exchange and building a stronger private sector, then services exports can no longer be treated as secondary. After all, services already contribute nearly 60% of national Gross Domestic Product (GDP) and support the vast majority of local employment. Unlocking Trade Mission Value This shift in perspective must extend to how we approach trade missions. Trade missions must be treated as commercial platforms. A mission should be built around market intelligence, a clear understanding of where demand sits, the right prospect profile and properly prepared businesses. Value lies in entering new markets with intention, understanding where T&T’s services can gain traction, identifying the right business counterparts, and ensuring that meetings lead to next steps. A trade mission should sharpen positioning, deepen market understanding and open doors to relationships that can be developed into revenue. Developing ExportDriven Firms The development of services exports requires organisation, direction, market intelligence, practical support and sustained business engagement. That is precisely why the Trinidad and Tobago Coalition of Services Industries (TTCSI) serves as a vital catalyst for advancing the country’s services sector.

“After all, services already contribute nearly 60% of national Gross Domestic Product (GDP)” TTCSI’s focus is to help create the conditions in which firms can move outward with greater clarity, stronger positioning and better commercial prospects. It is to support the expansion of T&T’s services economy by helping businesses think beyond the domestic market and act with greater purpose in external ones. Businesses must begin to view exports as a serious avenue for commercial growth. That means stronger company profiles, sharper service packaging, better market research, more disciplined buyer targeting, stronger proposals and more consistent post-meeting engagement. Answering the Global Call The numbers are already telling the story. World trade in goods and commercial services reached US$34.65 trillion in 2025, with services expanding faster than goods and taking a larger share of total trade. Recent reports from the UN Trade and Development (UNCTAD) and the World Trade Organisation (WTO) also show that world services exports surpassed US$9.5 trillion in 2025, marking another year of strong growth. With global demand for services on the rise, the space for services is growing - and the call to action is clear. More businesses in T&T, especially those in professional, technical, digital, educational, creative and advisory fields, need to assess their work through an export lens and begin preparing for external markets with greater seriousness.

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That family name is Advance Commercial Equipment Limited, and this September it turns forty. Forty years in this trade is not counted in units shipped. It is counted in the restaurants and hotels and institutional kitchens, the school canteens and catering halls and the hospital kitchens that cannot go dark for a single service — every one of them quietly dependent on machinery that we supplied, installed, and keep breathing. It is counted in the calls that have been coming to us for two generations. We have been the backbone beneath almost every working kitchen in T&T. Your success is our legacy.

At the Head of the Table

MRS. RESHMA ADVANI-ROJAS CEO, Odin Premier Placement Ltd.

a persistent and colonial little voice that instructs the Caribbean professional to be grateful for a seat at the table. I have spent my career proving we belong at the head of it.

We are unapologetically Caribbean, and that is not a limitation we have overcome. It is the engine. That backbone connects to something larger. Odin Premier Placement is not one company but a deliberate platform for building the food and hospitality life of this country, and it rests on three convictions. Equip. Train. Elevate. To equip is the forty years of labour I was born into. But a beautiful machine in untrained hands is a promise half kept — and so The Forge Kitchens exists to school the chefs and managers and owners who stand between fine equipment and a finished plate. The Art of Ice is the highest register of the same idea, where infrastructure becomes spectacle. We do not merely sell a kitchen its tools. We teach the hands that wield them, and we sculpt the moments that let excellence be seen. Everything I am building is a wager that a child raised on this island can stand level with the entire world without ever leaving it behind. I do not get to decide whether we have earned that future. The kitchens decide. They are deciding still, and I intend to keep us worth the call.

I took custody of that backbone determined to be worth it rather than merely to inherit it, and in the years since, the company has doubled. We are twice the house we were when I took the helm, and we did not grow by becoming someone else. We sit across the table from the great global brands, and we win our share, not by apologising for where we come from but by leaning into it. There is

Education, HR and Professional Services

Walk into a Caribbean kitchen at the height of dinner service and you walk into weather. The heat reaches you first — thick and wet and alive — then the noise: the clatter of pans, the bark of the pass, the low opera of the line cooks cursing. I grew up inside this business, a small girl in a vast warehouse, and I learned that what we sold was never really equipment. We sold the conditions under which other people’s dreams could survive a Friday night.

Education, HR and Professional Services

Who’s Who In Trinidad & Tobago Business 2026-2027

Energy and Energy-Related Industries

Beyond the Barrel:

Securing T&T’s Energy Future DR PRIYA MARAJH, President/CEO, The Energy Chamber of Trinidad and Tobago (The Energy Chamber)

or more than 160 years, Trinidad and Tobago has been a leader in the Caribbean’s oil and gas industry, developing a sophisticated energy value chain that spans upstream exploration, downstream processing, and energy services. Today, the sector faces intensifying global competition, volatile commodity prices, rapid technological advancement, and increasing pressure to operate sustainably. Against this backdrop, how will T&T refine its strategy to remain competitive, attract investment, and deliver lasting value across its economy? Dr Priya Marajh, President/CEO of The Energy Chamber of Trinidad and Tobago, believes that decisive action is essential to strengthen T&T’s competitive position. She highlights the need for innovation, investment, and a renewed focus on expanding opportunities for local service companies within this evolving energy landscape.

Energy and Energy-Related Industries

Anchoring T&T’s Energy Ambitions To reposition the sector for longterm success, Dr Marajh points to three key priorities:

“Local companies already have subsea and deepwater experience, with specialist subsea contractors, marine service providers, and fabrication and logistics firms that have established track records on complex offshore projects.”

• securing more gas through projects like Manatee, Aphrodite, Ginger, Coconut and Onyx; • keep the Point Lisas Industrial Estate supplied with reliable, competitively priced feed gas; and • pursue energy transition in ways that are practical. Achieving these ambitions will require win-win collaborations. “None of these goals is possible without mutually beneficial partnerships like the ones we’ve built with the US, India, Guyana, and Suriname over decades,” she notes. “We’re not doing this alone, and we learn as much from those partners as we contribute.” Although gas production has declined since reaching its highest level in 2010, Dr Marajh insists this trend does not tell the full story, noting the recent entry of two major international players into the local offshore energy industry and the strong interest shown by several companies in the 2025 deepwater bid round.

By Kay Baldeosingh-Arjune Deepwater Growth, Local Value Creation Exxon Mobil Corporation signed its Trinidad and Tobago Ultra Deep-1 (TTUD1) agreement in August 2025, marking a renewed presence in T&T’s offshore sector with a potential investment of US$16.4 to US$21.7 billion. Occidental Petroleum has also taken a 10% stake in this massive 7,165-square kilometre block off T&T’s east coast, where water depths exceed 2,000 metres. The TTUD-1 Block presents technically demanding, frontier-level work. “Local companies already have subsea and deepwater experience, with specialist subsea contractors, marine service providers, and fabrication and logistics firms that have established track records on complex offshore projects. What we need now is scale: matching that capability to the volume and complexity of this new work,” advises Dr Marajh. She sees significant opportunities for local service providers in this new phase. “The goal is about creating lasting value: more joint ventures with international specialists, real investment in training and technology, and clear paths for companies to move from marine services, logistics, fabrication, and project management into the specialised subsea work that’s now opening up.” Training for a Changing Industry Dr Marajh is proud of the role the Energy Chamber is playing to help build local talent and workforce capability in the sector. “Our Energy Chamber Learning Centre runs the core safety and technical training the industry depends on. The Safety Essentials Programme, developed with the Houston Area Safety Council, is built around how people learn today, which matters when five generations are working the same sites,” she explains. Trinidad and Tobago’s workforce is already overwhelmingly local. In 2024, 99.5% of the more than 11,000 workers who earned a Point Lisas Energy Association (PLEA) certification in the downstream sector

Who’s Who In Trinidad & Tobago Business 2026-2027

This focus on workforce development is also supported by international partners. ExxonMobil, for example, has committed US$935,000 to training, research, and scholarships for Trinidad and Tobago nationals in its first contract year on the TTUD-1 Block. Partnerships Power Regional Expansion The Energy Chamber is also actively supporting its members as they explore new markets. “Regional collaboration only works if everyone at the table benefits,” Dr Marajh underscores. In 2026, the Energy Chamber signed Memorandums of Understanding (MOUs) with the Georgetown Chamber of Commerce and Industry in Guyana and with the Suriname Energy Chamber. Both agreements reflect a common goal: closer co-operation across the energy value chain, on local content, and on supply chain integration. “Guyana and Suriname’s energy sectors are growing fast. Our goal isn’t for our companies to simply move in. It is to work alongside our peers, so all three countries grow together,” she explains. “In practice, that means connecting our members with counterpart chambers and companies, exchanging knowledge in both directions, and backing each other’s local content goals, because a stronger region is more competitive for everyone in it.” To unlock the sector’s full potential, she identifies four key factors that will drive growth across the region: deeper collaboration, stronger local expertise, improved ease of doing business, and increased investment. “Countries need to streamline processes, align standards, and cut the friction that turns good intentions into paperwork instead of outcomes,” she urges. Leading the Next Energy Chapter A leadership transition is the right time to be direct: about what’s working, what needs fixing, and why we exist in the first place, extracting maximum value from

TABLE 9 SUMMARY OF CENTRAL GOVERNMENT FISCAL OPERATIONS, 2021/2022-2025/2026 / TT$ MILLIONS / 2021/2022

2022/2023

2023/2024

2024/2025

2025/2026

Revenue

54,607.0

54,683.9

47,840.4

49,079.1

55,366.8

Current

53,921.3

54,525.0

47,821.2

47,628.2

54,655.7

Energy

29,347.7

27,794.9

13,403.4

15,895.4

17,294.2

Non-Energy

24,573.6

26,730.1

34,417.8

31,732.8

37,361.5

685.7

158.9

19.3

1,450.9

711.2

Capital

(Per Cent of GDP)

Revenue

29.6

31.3

27.8

28.1

31.1

Current

29.2

31.2

27.8

27.2

30.7

Energy

15.9

7.8

9.1

9.7

Non-Energy

13.3

15.3

20.0

18.1

21.0

Capital

0.4

0.1

0.0

0.8

0.4

TABLE 10 ENERGY-BASED GOVERNMENT REVENUE, 2019/2020 - 2024/2025 2020/2021

2021/2022 2022/2023 2023/2024 (Per Cent of Government Revenue)

2024/2025

Energy Sector

25.1

53.7

50.8

28.0

32.4

Petroleum Profit Tax (PPT)

6.9

16.4

13.7

9.1

9.6

Supplemental Petroleum Tax (SPT) Corporation tax

1.4 6.6

4.6 13.9

4.9 9.7

3.1 6.0

2.0 6.4

Royalties

5.4

10.6

13.6

5.0

6.7

Unemployment Levy

0.9

3.6

2.7

1.4

1.2 5.3

Withholding Tax

1.5

1.0

2.2

1.5

Exercise Duty

0.0

Oil Impost

0.3

0.2

0.3

Signature Bonus

0.1

0.2

0.0

0.1

Production Sharing Contracts

0.0

0.7

3.2

3.8

1.5

0.5

0.0

0.1

0.3

15.9

7.8

9.1

Extraordinary Revenue from Oil and Gas Companies Surplus Income Sale of Pet. Products

1.2

(Per Cent of GDP)

Energy Sector

5.9

15.9

Source: Annual Economic Survey 2025, Central Bank of Trinidad & Tobago

our energy resources for members, industry, and country, Dr Marajh states. The Energy Chamber’s membership spans the full value chain - upstream operators, downstream and petrochemical manufacturers, and the energy services companies and contractors who support them. “Each group is facing something different right now. Operators are structuring major new developments. Downstream players are managing tighter feed gas supply. Service companies and contractors want steady work and a real voice in the decisions that affect them. My job is keeping that balance, so the gains reach the whole chain instead of collecting at one end,” she notes.

This commitment to balance and shared benefit is crucial as Trinidad and Tobago navigates its next chapter. With a wealth of energy infrastructure, expertise, and hydrocarbons, the country has an exceptional platform for future growth. As the International Monetary Fund (IMF) observed in June 2026, Trinidad and Tobago: 2026 Article IV Consultation-Press Release; Staff Report; and Statement by the Executive Director for Trinidad and Tobago: “Oil and gas rents have been a cornerstone of its economic development and will continue to drive medium-term growth and fiscal and export revenues. Achieving both horizontal and vertical diversification will be critical to navigate the challenges posed by global energy markets and foster sustainable growth.”

Energy and Energy-Related Industries

were T&T nationals, she reports. “What’s changing is the skill set. Digitisation, automation, and artificial intelligence (AI) are reshaping what the industry needs, so we’re investing more in developing training programmes for young people entering the industry and retraining those already in it, ensuring our workforce moves with the industry instead of falling behind,” she points out. The Energy Chamber’s Local Content Forum feeds directly into this. It’s where members share what’s working and where the gaps are, ensuring that training investment goes where it’s needed.

Energy and Energy-Related Industries

Who’s Who In Trinidad & Tobago Business 2026-2027

Energy and Energy-Related Industries

Who’s Who In Trinidad & Tobago Business 2026-2027

Energy and Energy-Related Industries

Advertorial

PowerGen:

Powering Progress for Generations to come IAN ROGERS General Manager

Company Background PowerGen was established on December 23rd, 1994 when the generation assets (power plants) of the Trinidad and Tobago Electricit y Commission (T&TEC) were divested. This included the Port of Spain (now decommissioned), Point Lisas and Penal power stations. The current shareholding consists of T&TEC with a 51% interest, MaruEnergy Trinidad LLC, a subsidiary of Marubeni Corporation of Japan, with 39% interest and NEL Power Holdings Ltd., which is a subsidiary of National Enterprises Ltd, with a 10% interest. T&TEC is PowerGen’s sole customer and majority shareholder. As Trinidad’s leading and longest-serving independent power producer (IPP), PowerGen supplies 3.5 billion kilowatt hours (kWh) annually to the national grid. Equally important is PowerGen’s investment in its people. Its over 240 employees possess technical expertise which is of a global standard and they share its vision to create a future that is environmentally conscious, socially responsible and economically viable.

POINT LISAS PLANT

Community Impact and Youth Development PowerGen’s national impact is also reflected in its corporate citizenship. Through support for education, sport, youth development and community initiatives, the Company reinforces the idea that energy development can occur in tandem with community empowerment. PowerGen’s CSR ethos is rooted in developing the nation’s youth through sport and education. PowerGen has proudly sponsored the Secondary Schools’ Cricket League for 28 years, positively impacting 100,000 students resulting in one of the most enduring corporate commitments to any sport in Trinidad and Tobago. PowerGen supports the empowerment of special needs children with its Annual Special Children’s Fun Day which hosts over 30 special schools including 1,500 special students. In the sphere of education, PowerGen provides scholarships to the next generation of leaders at UWI, UTT and the National Centre for Persons with Disabilities enabling potential to meet opportunity. These initiatives

help to energise one of its core values, “We Care for Our Country”. Future Focus PowerGen continues to explore the newest power generation technologies available on the market as part of its vision for a more resilient, flexible and future-ready national energy system. Future projects being considered are solutions which include battery storage, new open-cycle and combined cycle gas turbines and the repowering of its existing turbine fleet. As the nation’s long term energy partner, PowerGen is confident that it can deliver the power required for economic value creation and emerging energy sector opportunities.

WE CARE FOR OUR COUNTRY

Company Contact Information The Power Generation Company of Trinidad and Tobago Limited Head Office: Caspian Drive, Point Lisas Industrial Estate, Point Lisas , Trinidad W.I Telephone: 1-868-624-0383 Email: pgcinfo@powergen.co.tt Website: www.powergen.co.tt/ fb and ig: pgcpowergentt Find us on LinkedIn

Energy and Energy-Related Industries

New General Manager on board For over 30 years, The Power Generation Company of Trinidad and Tobago Limited (PowerGen) has played a central role in keeping the country’s electricity supply reliable and resilient. The achievement of this milestone coincides strategically with the onboarding of a new General Manager, Mr. Ian Rogers who joined the Company in October, 2025. Mr. Rogers is a well-respected senior leader in the UK power generation Industry, bringing 36 years of progressive experience to the role. He has held several executive positions at multiple major generation facilities, with capacities of up to 2,000 MW. He brings a renewed vision for PowerGen - a vision that positions PowerGen to support economic growth, empower communities and build a sustainable tomorrow for Trinidad and Tobago.

Article

Rising to the Challenge:

T&T’s Clean Energy Evolution By Andrew Hosein We are entering an “Age of Electricity,” a defining era where the International Energy Agency (IEA) notes that global electricity demand is growing twice as fast as overall energy consumption. This surge is driven by the rapid electrification of transportation, industry, and buildings, alongside dynamic economic segments like artificial intelligence (AI) and expanding data centres.

Energy and Energy-Related Industries

As global electricity use escalates, power systems require greater flexibility to integrate a diverse mix of generation sources. Solar Photovoltaics (PV) was last year’s global standout, with generation rising by about 600 terawatt-hours in 2025, the largest annual increase ever recorded outside post-crisis recovery periods. Battery storage also posted a strong year, with capacity additions rising by 40% to nearly 110 gigawatts. Concurrently, fossil fuel growth is slowing, with global natural gas demand increasing by only 1%.

Electricity Demand Drives Change In Trinidad and Tobago, power demand is expected to increase over the next decade. High-profile announcements about new data centres will increase demand for the five facilities already operated by Fujitsu, Telecommunications Services of Trinidad and Tobago (TSTT), Digicel, Cable and Wireless, and Air Link. Furthermore, the anticipated restart of the steel plant in Point Lisas will also add substantial load requirements to the grid. Compounding this industrial demand is shifting consumer behaviour. Recent heatwaves have prompted more widespread installation of air-conditioning units, noticeably spiking power demand. This phenomenon is directly reflected in local natural gas consumption, which consistently peaks during the hotter months as more electricity is generated. Additionally, as broader electrification efforts take hold, new loads such as electric vehicles (EVs) are increasingly drawing on the national grid. Traditionally, T&T has comfortably met its power demand through natural gasbased power plants. Today, however, there is a need to diversify the country’s power generation portfolio.

Ultimately, T&T’s successful energy transition relies on a dual approach: modernising the grid with renewables and storage and fundamentally changing how we consume the power we produce. Storing the Solar Surge Encouragingly, significant strides are underway. In July 2025, the Brechin Castle Solar Project began producing its first electrons. At 92MW, it is among the largest solar facilities in CARICOM and represents approximately 8% of T&T’s power generation capacity. However, the intermittent nature of renewables presents distinct challenges. Solar panels only generate power during daylight hours, requiring flexible infrastructure to accommodate them. Currently, there is discourse about the project’s need for battery storage. This highlights a fundamental challenge: our electricity systems were designed for conventional, steady generation. To address these supply-demand gaps, Trinidad and Tobago Electricity Commission (T&TEC) recently issued a Request for Information (RFI) for a Battery Energy Storage System (BESS). Expanding the Renewable Energy Mix Wind energy represents another highly promising avenue for Trinidad and Tobago.

In November 2024, the onshore Wind Resource Assessment Programme (WRAP) was launched, marking the first official step toward wind energy deployment in T&T. This project aims to generate investment-grade wind data to support the development of wind projects. In 2025, plans were announced to deploy two additional wind measurement devices to cover the Los Iros/Santa Flora and Toco/Manzanilla regions, which are prime locations for wind turbines. Green hydrogen is emerging as another transformative opportunity for T&T’s energy sector. Currently, the Point Lisas Industrial Estate has a high demand for hydrogen, which is primarily derived from natural gas. Transitioning to green hydrogen can fulfil this industrial demand while significantly reducing emissions. With several green hydrogen projects already under development locally, this shift is well underway. To support the growth of a local hydrogen industry, The University of the West Indies (UWI) has partnered with Kenesjay Green and Japanese firm Niterra Company Limited. Together, under the H2TT Transform Project, they are establishing a Green Hydrogen Centre of Excellence at UWI. Beyond Supply: The Efficiency Imperative While T&T possesses the resources and technical ability to deploy renewables and battery storage at scale, a critical principle remains: energy efficiency is the “first fuel.” The Age of Electricity brings surging demand, but this growth does not mandate an equivalent surge in energy production. By prioritising efficiency, we can meet new demand using our current energy output. Balancing T&T’s energy future requires citizens and businesses to audit their habits and upgrade to efficient systems. Ultimately, T&T’s successful energy transition relies on a dual approach: modernising the grid with renewables and storage and fundamentally changing how we consume the power we produce.

Energy and Energy-Related Industries

Who’s Who In Trinidad & Tobago Business 2026-2027

Healthcare and HSE (Health, Safety, Environment)

Future-Proofing Healthcare:

Insights from T&T’s Medical Leaders DR. HASSINA MOHAMMED, President, Trinidad & Tobago Medical Association (T&TMA)*

Healthcare and HSE (Health, Safety, Environment)

s health industries worldwide adapt to new and complex challenges, Trinidad and Tobago’s policymakers and stakeholders are facing similar pressures at home. These challenges are far-reaching, as public health affects every sector of society and addressing them requires collaboration across government, healthcare, and communities. Reflecting this priority, the government of Trinidad and Tobago allocates a significant portion of the national budget to address the health needs of its citizens. In parallel, the membership of the Trinidad & Tobago Medical Association (T&TMA) is working to adapt to industry changes and adopt modern best practices that align with the nation’s health priorities.

Evolving Needs, Evolving Care Recent global developments have driven significant changes in healthcare internationally, and Trinidad and Tobago is no exception. “Over the last twenty years, Trinidad and Tobago’s healthcare sector has been shaped primarily by the rising burden of non-communicable diseases such as diabetes, hypertension, cardiovascular disease, obesity and cancer, alongside an

“Improving access and efficiency within the healthcare system remains essential to delivering timely, highquality care for all citizens.”

ageing population requiring more complex and long-term care,” explains Dr. Hassina Mohammed, President of T&TMA. “These demographic and epidemiological changes have shifted healthcare delivery from predominantly acute care toward chronic disease management, rehabilitation, geriatric services and palliative care.” Compounding these complexities, Dr. Mohammed notes that the effects of the global pandemic continue to shape the health sector. “The COVID-19 pandemic also resulted in an apparent rise in mental health and wellness issues, since it disrupted all social determinants of health for so many persons,” she says. Other transformative forces include advances in medical technology, expansion of healthcare infrastructure, increased emphasis on prevention and public health, workforce challenges and rising healthcare costs. Resilient, Equitable, Sustainable To ensure the local health sector progresses in the right direction, the T&TMA is advocating for the prioritisation

By Dixie-Ann Belle of national health strategies, including strengthening health system resilience, advancing equitable access to quality healthcare, and improving mental health services. Dr. Mohammed explains, “Building resilience will help the healthcare system respond effectively to future challenges such as climate-related events, infectious disease outbreaks, and other public health emergencies. Improving access and efficiency within the healthcare system remains essential to delivering timely, high-quality care for all citizens, while addressing mental health calls for greater investment in prevention, early intervention, and stigma reduction.” Health sector stakeholders are increasingly considering the effects of climate change as part of best practice. Rising temperatures, poor air quality, natural disasters, and other climate-related factors significantly affect the population’s physical and mental well-being. In response, the T&TMA recently developed a policy document on climate change and health. It is also working to raise physicians’ awareness of climate-related health risks through targeted initiatives. In line with these efforts, Dr. Mohammed emphasises the need to encourage climate resilience within health facilities, collaborate with key stakeholders to incorporate climate considerations into healthcare planning and promote sustainable healthcare practices that reduce the sector’s environmental footprint. The Human Touch in a Digital Age Technology continues to play a vital role in healthcare, especially as telemedicine, artificial intelligence (AI) solutions, and robots become more incorporated into patient care. Dr. Mohammed notes that these developments can improve access to care, enhance diagnostic accuracy, increase efficiency, and strengthen health system resilience. However, she also stresses the importance of ensuring these tools are used ethically.

Who’s Who In Trinidad & Tobago Business 2026-2027

T&TMA’s position is that such advancements cannot replace physicians and should always be regarded as aids to support their work. Dr. Mohammed points out that while technology can enhance healthcare, it cannot replicate the human element - clinical judgment, empathy, and ethical decision-making - that only healthcare professionals can provide. The Association maintains that all digital health solutions should be implemented within a framework that prioritises patient safety, informed consent, transparency, equity, and human oversight. It proposes rigorous validation and continuous monitoring for AI systems.

She adds, “Innovation should advance healthcare outcomes while preserving patient rights, maintaining professional standards, and ensuring that all technological advancements serve the best interests of the people of Trinidad and Tobago.”

Source: Trinidad & Tobago Ministry of Health, STEPS Fact Sheet/Key Findings, 2024

T&TMA also endorses initiatives that help doctors feel valued, supported, and empowered to build rewarding careers in Trinidad and Tobago. The Association believes that advocating for improved working conditions, adequate staffing, fair remuneration, and access to physician wellness programmes - within environments that foster both professional satisfaction and personal well-being - is vital to increasing satisfaction among medical professionals. To ensure continued progress in local healthcare, Dr. Mohammed recommends actively involving

healthcare professionals in shaping policies for healthcare planning, service delivery, workforce development, and quality improvement. Establishing mechanisms such as a national clinician advisory council, regional clinical advisory boards, physician representation on major governance bodies, structured policy consultation, and a national clinical quality and outcomes network will help create a more responsive, inclusive, and effective health system for Trinidad and Tobago’s future. * The perspectives shared reflect the combined input, research, and expertise of the Council of the Trinidad & Tobago Medical Association (T&TMA) 2026.

Empowering Healthcare’s Frontline The Association also underscores the importance of policies that support doctors. Dr. Mohammed stresses the need for better working conditions, adequate staffing, competitive remuneration, access to physician wellness programmes, and supportive work environments. She notes, “Burnout must be treated as a systemic issue requiring organisational and policy solutions rather than solely individual coping strategies.” A key theme from the Association’s 31st Annual Medical Research Conference, held in 2025, is mental well-being for frontline clinicians. Dr. Mohammed notes it is not enough for healthcare entities to merely acknowledge the existence of burnout - they must implement practical support, such as accessible resources, protected time (scheduled breaks from clinical duties), supportive policies, and integration of wellness practices into daily clinical routines. Addressing burnout can help with physician retention and discourage outward migration.

Source: National Library of Medicine, National Centre for Biotechnology Information, Injury Prevention and Environmental Health. 3rd edition. Figure 8.1 Impacts of Climate Change on Human Health, Slide courtesy of George Luber, CDC.

Healthcare and HSE (Health, Safety, Environment)

Dr. Mohammed highlights the need “to balance innovation with privacy, quality, and public trust.” Consequently, the T&TMA advocates “for strong data protection measures, including explicit patient consent, robust cybersecurity safeguards, transparent disclosure when AI is used, and clear accountability mechanisms for developers, institutions, and clinicians.” The Association also calls for regular audits for safety, bias, and effectiveness, together with public education campaigns.

Healthcare and HSE (Health, Safety, Environment)

Who’s Who In Trinidad & Tobago Business 2026-2027

Equilibrium Environmental Services Limited serves the energy and manufacturing sectors, locally and regionally, with over 25 years' experience in the environmental and occupational safety disciplines.

Healthcare and HSE (Health, Safety, Environment)

“Sustainability for us translates to taking care of our people, contributing to the communities in which we work and positively impacting the environment. We live our mission by safeguarding the air we breathe, the water we consume and the earth that nourishes. Our projects create value for our clients by implementing best practices to determine compliance and performance in the built and natural environments. We do so ethically and with integrity.”

LIST OF SERVICES: • Stack Emissions Monitoring • Ambient Air Monitoring • Environmental & Occupational Noise Monitoring • Liquid Effluent Monitoring • Indoor Environmental Quality Assessments • Wide Area Ambient Air Monitoring Network Design & Support Services • Source Emitter Registration • Certificate of Environmental Clearance Applications • Industrial Hygiene • Green House Gas and Emissions Factor Calculations

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8 Bahadoor Street, California, Trinidad & Tobago 540138 T: 868-341-6541 | E: info@ees.co.tt | W: www.ees.co.tt equilibriumestt

Equilibrium Environmental Services Limited

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Healthcare and HSE (Health, Safety, Environment)

Who’s Who In Trinidad & Tobago Business 2026-2027

Article

Safeguarding Our Future: Environmental Resilience in T&T By Environmental Management Authority

Across Trinidad and Tobago and the wider world, the past year reinforced a reality that is increasingly difficult to ignore: our environment is rapidly changing. For Small Island Developing States (SIDS) such as Trinidad and Tobago, the stakes are especially high. Limited land resources and vulnerable coastlines mean that environmental change has far-reaching consequences for communities and economic development.

Healthcare and HSE (Health, Safety, Environment)

In 2025, Trinidad and Tobago experienced growing pressures from climate-related events, ecosystem degradation and lingering impacts of previous environmental incidents. Flooding, landslides, and waste management challenges continued to threaten the country’s natural resources.

Building Climate Resilience Climate change is shaping the environmental realities we face today. Intense rainfall, flooding, and rising temperatures are placing greater demands on communities and infrastructure. The United Nations Environment Programme (UNEP) Frontiers 2025 report warns that severe weather events can mobilise pollutants, intensify risks, and create new environmental challenges that require proactive responses. Recognising the importance of evidencebased decision-making, Trinidad and Tobago continues to strengthen its climate transparency framework through the National Transparency System (NTS), implemented within the Environmental Management Authority (EMA). The system supports the country’s obligations under the Paris Agreement by measuring greenhouse gas emissions, mitigation, adaptation, and progress towards national climate commitments. Building resilience also means strengthening the relationship between environmental protection, food systems, and sustainable land management. Through the BIOREACH Project, Trinidad and Tobago is advancing biodiversityfriendly agricultural practices while helping farmers adopt approaches that protect

“By strengthening partnerships, embracing innovation, and translating knowledge into meaningful action, we can safeguard our natural heritage, build resilience, and create a more sustainable future for present and future generations.” ecosystems and improve sustainability. The BIOREACH Project is funded by the Global Environmental Facility (GEF), led by the Food and Agriculture Organisation of the United Nations (FAO) on behalf of the Ministry of Planning, Economic Affairs and Development and is executed by the EMA and the National Agricultural Marketing and Development Corporation (NAMDEVCO). Protecting Our Natural Capital Trinidad and Tobago’s forests, wetlands, rivers and marine ecosystems provide essential services that sustain biodiversity, support livelihoods, regulate climate and protect communities. These ecosystems represent a vital component of the country’s natural capital, contributing to public health, economic activity, climate resilience, and overall quality of life. The EMA supports biodiversity conservation through environmental regulation, monitoring, public education, and strategic partnerships. A cornerstone of these efforts is the designation of Environmentally Sensitive Species (ESS)

and Environmentally Sensitive Areas (ESA), which provide the highest level of legal protection for species and habitats of national ecological importance. Through the legal protection afforded to ESSs and ESAs, the EMA supports measures that reduce threats to biodiversity while encouraging responsible use and management of natural resources. Trinidad and Tobago currently has 13 designated ESSs and three ESAs. Integrating Environment into Development As Trinidad and Tobago continues to pursue economic growth, environmental management plays a vital role in ensuring that development is both responsible and sustainable. The EMA’s Certificate of Environmental Clearance (CEC) process provides a robust framework for identifying potential environmental impacts and ensuring that appropriate mitigation measures are incorporated before projects proceed. Initiatives under the Water Pollution Rules, 2019 (WPR) also support improved wastewater management, enhanced compliance and better protection of Trinidad and Tobago’s water bodies. The EMA’s upcoming WPR Value Stories series will highlight these achievements and showcase the environmental, operational and social benefits of effective regulation across Trinidad and Tobago. Science and Partnership Matter Pollution remains one of the most significant environmental challenges facing Trinidad and Tobago. Whether through declining air quality, wastewater discharges, noise pollution or solid waste, managing pollution requires robust regulation, reliable scientific data, and collective action. In addressing these challenges, the National Ambient Air Quality Monitoring Network is a key tool, providing the scientific foundation needed to understand air-quality trends. The Network comprises seven monitoring stations.

Who’s Who In Trinidad & Tobago Business 2026-2027

The EMA’s commitment to environmental awareness was also highlighted through the revitalised Green Leaf Awards (GLA), which recognised individuals, organisations and initiatives demonstrating leadership, innovation and commitment to sustainable environmental practices. Advancing a Circular Economy Plastic pollution continues to pose a significant environmental challenge for Trinidad and Tobago. According to the United Nations (2024), approximately 129,000 metric tonnes of plastic are brought into Trinidad every year, placing increasing pressure on the country’s waste management systems. Addressing this challenge calls for a transition towards a circular economy in which

resources are reduced, reused, repaired, and recycled rather than discarded after a single use. The EMA’s iCARE initiative continues to support this transition by encouraging recycling, waste reduction, and greater environmental responsibility. During the 2025 International Coastal Cleanup, 234 volunteers collected 3,702 pounds of waste from the coastline of the Foreshore along the Audrey Jeffers Highway in Port of Spain. The site, captained by the Ministry of Planning, Economic Affairs and Development, in partnership with the EMA and the Institute of Marine Affairs (IMA), formed part of a national effort spanning 30 cleanup sites across Trinidad and Tobago. Environmental Stewardship: A Shared Responsibility Environmental protection cannot be achieved by government alone. Lasting progress depends on informed citizens, responsible businesses, scientific innovation, and strong partnerships across all sectors of society. Increasingly, citizens are becoming active environmental

stewards by reporting environmental offences, participating in conservation initiatives, with some adopting more sustainable lifestyles. These individual actions, when multiplied across communities, will, over time, contribute to healthier ecosystems and stronger national environmental outcomes. According to Dr Joth Singh, Managing Director/CEO of the EMA, “The EMA remains committed to fulfilling its role as regulator, educator and partner, working alongside government, industry, communities and citizens to conserve the environment while supporting economic growth, prosperity and social wellbeing, and thus supporting sustainable development principles in Trinidad and Tobago. Addressing the nation’s pressing environmental challenges requires collective action and a shared commitment from all sectors of society. By strengthening partnerships, embracing innovation, and translating knowledge into meaningful action, we can safeguard our natural heritage, build resilience, and create a more sustainable future for present and future generations.”

Healthcare and HSE (Health, Safety, Environment)

During the past year, the EMA strengthened its outreach and education programmes across Trinidad and Tobago, engaging communities, schools and stakeholders to build understanding of environmental issues and encourage greater participation in environmental management.

Information and Communications Technology

Powering Up: T&T’s ICT Advantage DESMOND DOUGALL, Co-Founder and CEO, GISCAD Group Limited

Information and Communications Technology

ver the past two decades, Trinidad and Tobago’s ICT sector has undergone a drastic transformation, evolving from manual, paper-based processes to cloud-based platforms and business intelligence tools. While these advances are significant, Desmond Dougall, CoFounder and CEO of GISCAD Group, stresses that digital tools are only part of the equation: “Technology really is a tool, and sustainable growth requires a more strategic, innovative, and regionally focused mindset.”

Beyond Borders: GISCAD’s Blueprint Founded in 2003, GISCAD Group specialises in geographic information systems (GIS), fleet management technologies, engineering/construction software, and customer relationship management (CRM) solutions, delivering operational intelligence across the Caribbean. Although Trinidad remains a core market, it accounts for only one-third of the company’s revenue. The remaining two-thirds come from regional operations in Guyana, Barbados, and Jamaica, partners in other territories, and clients across approximately 30 markets. GISCAD’s current focus is expansion into the Dominican Republic and Panama. GISCAD’s regional approach is not just about growth - it’s also a response to market realities. One of the biggest challenges is the persistent foreignexchange shortage, which inflates the cost of software licensing, cloud infrastructure, and hardware procurement denominated in US dollars. This erodes margins and delays critical technology refreshes for local firms. By earning foreign currency in external markets, GISCAD’s regional footprint has shielded the company and enabled it to deliver solutions to clients in Trinidad and Tobago in local currency, insulating them from FX volatility. This is just one example of the complex challenges facing Trinidad and Tobago’s ICT ecosystem.

By embracing robust governance structures and fostering longterm strategic thinking, Dougall believes the ICT sector can unlock sustained growth and resilience. The Path to Sustainable Digital Progress Since the early 2000s, the ICT landscape has shifted dramatically, with companies increasingly adopting digital solutions. Despite rapid digital advances, significant challenges persist. Dougall identifies the greatest impediment to digital transformation as the lack of data sharing and standardised systems. “Data dies. Data gets less valuable over time… if you don’t use data on a timely basis, its value degrades,” he warns. The region routinely relies on outdated demographic and market data - often a decade old - for critical business decisions. According to Dougall, this reliance on legacy information is a symptom of slow digital adoption, with many organisations clinging to outdated processes and systems. To address these challenges, he advocates for establishing common standards and frameworks for data transfer and sharing, coupled with the implementation of a national digital transformation initiative

By Amy Li Baksh that yields measurable outcomes. Dougall emphasises that “technology is not going to do the trick alone. Technology must be integrated with effective processes and strong people systems.” He further stresses that legislative and procedural changes must accompany technological deployments to ensure lasting impact. Looking at the bigger picture, Dougall notes that the Caribbean remains five to ten years behind the developed world - not just in technology adoption, but in technological thinking. To close this gap, he urges businesses and governments to adopt a long-term perspective, planning for the next generation rather than the next fiscal year. Positioning T&T as the Caribbean’s Digital Leader Across both the public and private sectors, Trinidad and Tobago is embracing commercial solutions such as fleet management, 3D modelling, CRM and GIS analytics - reshaping operations, facilitating citizen and consumer-centric service delivery, and driving data-driven decisionmaking. The next wave of innovation, Dougall observes, is artificial intelligence (AI). He predicts that large language models will play a critical role across all business functions. Emerging opportunities in cloud data centres, fintech, e-health, and telemedicine also present viable pathways for Trinidad and Tobago to position itself as a regional leader, leveraging its affordable electricity and well-educated workforce to host digital innovation hubs. By embracing robust governance structures and fostering long-term strategic thinking, Dougall believes the ICT sector can unlock sustained growth and resilience. “There is no reason for smaller Caribbean economies to outpace us,” he asserts, underscoring Trinidad and Tobago’s potential to set the regional standard in digital innovation.

Who’s Who In Trinidad & Tobago Business 2026-2027

T&T Telecoms:

Connectivity Provider to Digital Partner By Janelle De Souza

Connecting Beyond the Network In Trinidad and Tobago, Liberty Caribbean operates Flow and Liberty Business. Simone Martin-Šulgan, Vice President and General Manager of Flow T&T, describes the pandemic as a defining moment for the industry. Organisations rapidly adopted digital solutions to maintain business continuity and adapt to new ways of working, fundamentally changing how telecom providers support customers. According to Martin-Šulgan, this changing business landscape has created opportunities for telecommunications providers to expand into new digital services, including management services, cybersecurity, data analytics, and Artificial Intelligence (AI)-driven solutions - all designed to help organisations improve efficiency and competitiveness. “We moved from simply being providers of connectivity to helping consumers, SMEs (Small and Medium-sized Enterprises), and even governments solve challenges through technology,” she said. “We’re now positioning ourselves as your digital partner rather than simply selling connectivity products.” Securing the Digital Frontier As digital transformation advances, organisations are increasingly challenged by external risks - such as climaterelated events - that can disrupt critical operations. Resilience, Martin-Šulgan points out, depends on the strength of a company’s infrastructure, preparedness measures, and strategic partnerships. “It’s about investing in infrastructure, whether it’s data centres, reinforcing networks, building partnerships that

“This value proposition makes T&T a prime location for data centres and similar operations. It’s an attractive destination for companies like Amazon looking to establish a presence in the Caribbean.” support your business, following global standards in your operations, and investing in your people,” she explained. In addition to physical threats, cybersecurity is an increasing concern. To address this, Liberty Caribbean operates a dedicated security operations centre that continuously monitors for suspicious activity, protecting both the company and its customers. Beyond security, bridging the digital divide will require stronger publicprivate collaboration to address persistent obstacles, including rural coverage gaps, affordability challenges, limited access to digital devices, and the need for comprehensive digital skills training programmes. Martin-Šulgan stressed that government support is essential - not only to provide stable access to electricity and foster an inclusive digital economy, but also to ensure that individuals and small businesses who would benefit most can access these

opportunities. Telecom companies can support these efforts by delivering devices, connectivity, and training. T&T: A Caribbean Digital Gateway Cloud adoption should also be a priority, as highlighted during Liberty Caribbean’s first Datacenter & Cybersecurity Summit in Bogota in April 2026. While priorities vary across industries, Martin-Šulgan stressed that adopting cloud solutions and managed services can improve business efficiency, productivity, customer experience, and profitability - driving long-term growth. She also pointed to Liberty Latin America’s strategic partnership with Amazon Web Services (AWS) as a unique opportunity to showcase Trinidad and Tobago’s potential as a regional digital hub. With its location outside the hurricane belt, a shared time zone with North America, and some of the Caribbean’s lowest electricity rates, T&T stands out for companies seeking to expand operations in the region. As Martin-Šulgan explained, “This value proposition makes T&T a prime location for data centres and similar operations. It’s an attractive destination for companies like Amazon looking to establish a presence in the Caribbean.” The greatest long-term benefit of this partnership, she said, will be the transfer of knowledge and the development of local digital skills: “They (AWS) will need to bring their technicians and knowledge to T&T. It’s an opportunity for the country to take that expertise and tailor it to our local talent, making it our own - something truly fit-for-purpose for the region.” Looking ahead, the next chapter of telecommunications in Trinidad and Tobago extends far beyond basic connectivity. As businesses and society increasingly rely on digital tools, the sector is poised to drive sustained economic development. By leveraging its competitive advantages and maintaining a strong focus on investment and talent development, Trinidad and Tobago can establish itself as a digital leader for the Caribbean.

Information and Communications Technology

he telecommunications industry has undergone a significant transformation since the COVID-19 pandemic accelerated the shift to digital services, creating new opportunities for innovation, resilience, and economic growth. This change is driving the industry to evolve beyond connectivity and take on a broader role in helping consumers navigate an increasingly digital world.

SIMONE MARTIN-ŠULGAN, Vice President and General Manager, Flow Trinidad and Tobago

Information and Communications Technology

Who’s Who In Trinidad & Tobago Business 2026-2027

Information and Communications Technology

Who’s Who In Trinidad & Tobago Business 2026-2027

Information and Communications Technology

Who’s Who In Trinidad & Tobago Business 2026-2027

Insurance

Resilience Redefined: How T&T’s Insurance Industry Is Building a Sustainable Future SHARON BYNOE, General Manager, NAGICO Insurance (Trinidad and Tobago) Limited

cross Trinidad and Tobago, the insurance industry is quietly evolving from a financial safety net into a strategic pillar of economic resilience. As climate pressures intensify, technology accelerates, regulation evolves, and global uncertainty persists, insurers are redefining how risk is understood, managed and shared. Sharon Bynoe, General Manager, NAGICO Insurance (Trinidad and Tobago) Limited, believes the sector’s next chapter will be shaped not simply by protecting what exists today, but by helping build a stronger, more resilient tomorrow. Adapting to a Shifting Risk Environment Over the past two decades, Trinidad and Tobago’s insurance sector has undergone one of the most significant transformations in its history. Global financial shocks, regulatory reform, climate-related risks and rapid technological change have collectively reshaped how insurers operate and how risk itself is evaluated.

Insurance

“The reforms introduced following the 2008-2009 financial crisis strengthened

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“We need solutions that meet people where they are. Simplified products, digital distribution and greater public awareness all have an important role in making insurance more accessible.”

solvency standards, governance and policyholder protection,” states Bynoe. “They created a much stronger foundation for a resilient industry.” Climate risk has accelerated that transformation. While Trinidad and Tobago sits outside the Atlantic hurricane belt, increasingly severe rainfall and flooding have heightened claims volatility while driving up the cost of international reinsurance. Combined with inflation, geopolitical uncertainty and persistent foreign exchange constraints, insurers now operate within a far more complex risk environment than they did a generation ago. The COVID-19 pandemic was another catalyst for change, accelerating digital adoption almost overnight. Online policy management, digital claims processing and remote customer engagement have become mainstream, while environmental, social and governance (ESG) considerations increasingly influence underwriting, investment decisions and long-term business strategy.

By Kieran Andrew Khan From Compliance to Capability For Bynoe, stronger regulation represents more than compliance. It provides the foundation upon which confidence, stability and sustainable growth are built. The implementation of the Insurance Act 2018 and International Financial Reporting Standard (IFRS) 17 has strengthened governance, transparency and financial resilience across the sector. Those advances, however, require significant investment in technology, actuarial expertise and operational capability, creating proportionately greater pressures for smaller insurers. “The challenge is achieving the right balance,” she explains. “Regulation must continue protecting policyholders while allowing insurers flexibility to innovate, ensure affordability and respond quickly to emerging risks.” She believes the future of the industry lies in stronger partnerships between regulators and industry participants, ensuring regulatory frameworks continue reinforcing resilience without dampening innovation or competition. Finding that balance will not only strengthen the sector but could also position the jurisdiction as a more competitive destination for investment and growth. Behind the Scenes: The Tech Advantage Perhaps the industry’s most significant transformation is taking place behind the scenes. Technology is no longer simply improving operational efficiency. It is fundamentally changing how insurers predict risk, detect fraud and serve customers. Industry initiatives such as the Claims Vault allow insurers to share intelligence to identify fraudulent or duplicate claims, while the introduction of digital motor insurance certificates and the Cover Vault platform enable real-time policy verification via QR technology. Advanced analytics platforms now provide leadership teams

Who’s Who In Trinidad & Tobago Business 2026-2027

with deeper insights into claims patterns, portfolio performance, and emerging risks, enabling decisions to become increasingly proactive rather than reactive. “Better data leads to better decisions,” Bynoe notes. “It enables faster claims processing, stronger risk management and ultimately a better customer experience.” Collectively, these innovations are helping to create a more connected insurance ecosystem where trusted information moves more efficiently among insurers, regulators and law enforcement, while delivering greater confidence for policyholders. Widening the Safety Net Despite these advances, one of the industry’s greatest opportunities remains increasing insurance penetration. Many households, small businesses and informal enterprises remain uninsured or underinsured, particularly for property, catastrophe, health and life coverage. Too often, insurance is viewed as a discretionary expense rather than an essential component of financial resilience. Closing that protection gap requires more than simply introducing new products. “We need solutions that meet people where they are,” Bynoe says. “Simplified products, digital distribution and greater public awareness all have an important role in making insurance more accessible.” She also believes lowering operating costs through continued digital transformation, alongside broader financial literacy and more inclusive product design, can expand coverage while improving affordability across the market.

Digital transformation, climateresilient insurance solutions, greater use of analytics, stronger ESG integration and deeper publicprivate collaboration all present opportunities to expand coverage

while enhancing resilience. Emerging solutions such as parametric insurance (which pays a pre-agreed amount when a specific measurable event occurs), catastrophe financing mechanisms and broader risk-sharing models can further strengthen the country’s ability to recover from increasingly complex events. “The industry has consistently demonstrated its ability to adapt,” Bynoe reflects. “Our next opportunity is to build

an insurance ecosystem that is more inclusive, more digitally enabled and better prepared for the risks of tomorrow.” As Trinidad and Tobago charts its future in an increasingly uncertain world, insurance is evolving beyond the traditional role of paying claims. It is becoming an enabler of investment, a driver of confidence and a cornerstone of national resilience. That transformation may prove to be the industry’s greatest contribution yet.

Insurance

Expanding Coverage, Empowering Growth Amid ongoing transformation, Bynoe sees considerable opportunity for Trinidad and Tobago’s insurance sector to strengthen both its competitiveness and its contribution to national development.

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Non-Executive Board Member

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Insurance

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Making Insurance Payments Easier Across the Caribbean Solis Credit is available through an expanding network that includes respected insurance providers such as Guardian General, COLFIRE, Sagicor General, ICWI, General Accident, Bankers, Presidential and NAGICO, along with numerous insurance brokers and agencies. These partnerships make it possible for customers to access payment plans where they already purchase their insurance, while helping insurance providers reduce affordability barriers and complete more business. From Lending Company to Insurance Financing Specialist Bayshore Finance began operations in 2015 as a personal lending company. Recognising that the cost of annual insurance premiums created a significant challenge for many consumers and businesses, the company entered the insurance premium financing market in 2016.

Non-Executive Board Member

In 2020, Solis Credit was launched as Bayshore Finance’s dedicated insurance premium financing brand. Today, the business serves customers and partners across Trinidad and Tobago, St. Lucia and Grenada, supported by digital processes, automated approvals and a proprietary Loan Management Platform developed by its own technology team. A More Accessible Insurance Future As Bayshore Finance expands its regional footprint, its focus remains firmly on insurance premium financing. By combining technology, regional partnerships and a specialised understanding of the insurance sector, Solis Credit is helping to remove one of the greatest obstacles to adequate protection: the upfront cost. Bayshore Finance at a Glance • Established: 2015 •

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Manufacturing and Retail Distribution

Engine of Diversification:

T&T Manufacturing Fuels a New Era of Growth EMIL RAMKISSOON, President, Trinidad and Tobago Manufacturers’ Association (TTMA)

ver the past two decades, Trinidad and Tobago’s manufacturing sector has evolved from a supporting role to a driving force in exports, employment, and innovation. Previously overshadowed by the energy industry, manufacturing now stands at the forefront of export earnings and value-added production. Emil Ramkissoon, President of the Trinidad and Tobago Manufacturers’ Association (TTMA), attributes this progress to the agility of local firms, focused advocacy, and a strong commitment to expanding export capacity “Periods of high energy prices created liquidity and investment opportunities, while downturns exposed structural vulnerabilities, particularly foreign exchange shortages and reduced domestic demand,” Ramkissoon explains.

Manufacturing and Retail Distribution

At the same time, manufacturers have faced rising logistics and input costs, supply chain disruptions, and intensifying competition. These headwinds have made diversification and resilience central to industry strategy, with TTMA focusing on export development, trade

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“Manufacturers require a more efficient business environment, improved access to foreign exchange, modernised trade facilitation systems, reliable infrastructure, and faster regulatory approvals.”

facilitation, and targeted advocacy to help firms adapt and scale. Setting the Stage for Manufacturing Excellence To boost competitiveness, Ramkissoon emphasises the need for a more supportive operating climate: “Manufacturers require a more efficient business environment, improved access to foreign exchange, modernised trade facilitation systems, reliable infrastructure, and faster regulatory approvals.” In response to these challenges, TTMA’s priorities include establishing a predictable foreign exchange allocation framework for productive sectors, accelerating the digitisation of customs and port operations, clearing VAT refund backlogs within statutory timelines, and expanding export financing and credit guarantees. The Association also champions incentives for automation, technology adoption, R&D, and productivity improvements. Additional focus areas include strengthening

By Natalie Dookie technical and vocational education, improving inter-agency coordination, increasing access to industrial land, and reducing energy and logistics costs. Ramkissoon also stresses the importance of effective measures to address crime, which undermines business confidence. Ramkissoon points out that manufacturers are adapting to input volatility and foreign exchange pressures: “Many companies have diversified supplier networks, increased inventory buffers for critical inputs, entered longer-term supply agreements, and invested in improved forecasting and inventory management systems.” From Proudly T&T to National Movement TTMA launched the ‘Proudly T&T’ campaign in 2017, aiming to boost consumer preference for local products. Building on this momentum, the government recently introduced the ‘Buy Local, Build Trinbago’ initiative in January 2026 to further galvanise support for domestic manufacturing. TTMA notes that the effectiveness of this new campaign will depend on its ability to convert awareness into measurable outcomes by driving product innovation, enhanced packaging, higher quality standards, and stronger branding. At the policy level, Ramkissoon suggests that government procurement should support local industry when quality and competitiveness are assured. He also observes that increasing consumer understanding of the economic impact of buying local is important. Furthermore, import substitution, he adds, “should not be viewed as protectionism” but as a strategy to create jobs, retain foreign exchange, and strengthen industrial resilience by identifying products that can be competitively produced domestically. To complement these buy-local efforts and policy measures, empowering local manufacturers, especially SMEs, to compete internationally has become a strategic priority.

Who’s Who In Trinidad & Tobago Business 2026-2027

Equipping the Next Generation of Exporters Recognising that SMEs are central to export growth, Ramkissoon highlights a range of targeted support delivered through TTMA’s Export Action Programme (EAP): export-readiness assessments, mentoring, certification support, export financing, market intelligence, digital commerce training, and practical assistance with logistics and market entry.

T&T’s Key Export Markets

“TTMA’s EAP was specifically designed around these needs, providing handson implementation support rather than purely theoretical training,” Ramkissoon notes. TTMA and the Export‑Import Bank of Trinidad and Tobago Limited (Eximbank) are preparing to open applications for Cohort 3 of the EAP, following more than US$80,000 in new export sales generated by previously non‑exporting businesses in Cohort 2.

To date, Cohort 2 companies have secured new opportunities in Guyana, Jamaica, Barbados, and the United States. Export readiness among SMEs in the EAP also increased significantly, with average scores rising from 42% to 87%. Taking T&T Products to the World CARICOM remains a natural market for Trinidad and Tobago manufacturers, offering close proximity, preferential access, and established trade relationships. However,

Ramkissoon notes that T&T non-energy exports represent less than 10% of all non-energy imports into CARICOM, and “this signifies that there is still a lot of scope and potential for T&T goods to displace and replace imported products from extra-regional sources into CARICOM.” Priority subsectors for regional growth include food and beverage manufacturing, agro-processing, packaging, construction materials, chemicals, household products, and specialised industrial goods. To capitalise on these opportunities, TTMA has actively pursued trade missions and export facilitation, connecting members with new buyers and diversifying sourcing. Recent missions to India, Canada, China, Ghana, and Chile, as well as planned trips to Curaçao, Panama, and Miami, aim to secure market opportunities and source alternative inputs and technology. TTMA’s drive to connect manufacturers with new markets is also reflected in its flagship Trade and Investment Convention (TIC). “Since it was launched in 1999, TIC has generated over US$1 billion in trade,” Ramkissoon reports. The convention, which began with just 15 booths, has now expanded to more than 400, underscoring its role as a catalyst for business growth and regional networking. As Trinidad and Tobago manufacturers strengthen their foothold in regional and global markets, attention is turning

to the essential steps needed to drive the next phase of export-led growth. Charting the Path Forward “Achieving a 71% increase in non-energy exports is ambitious but attainable if the right enablers are put in place. Success will depend on five critical pillars: improved access to foreign exchange, enhanced trade facilitation, stronger export financing mechanisms, investment in productivity and innovation, and sustained public‑private collaboration,” Ramkissoon says. Key sectors expected to drive growth include food and beverages, household products, packaging and printing, construction materials, health and wellness products, chemicals, manufactured consumer goods, and value-added industrial products. CARICOM remains the primary base for expansion, with additional opportunities in Guyana, Suriname, Central America, the Dominican Republic, and select North American and diaspora markets. “Ultimately, reaching TT$10.6 billion in non-energy exports will require more than individual company success. It will require a coordinated national effort that positions manufacturing as a central pillar of economic diversification, foreignexchange generation, job creation, and long-term sustainable growth. The good news is that the capability already exists. The challenge now is scaling it.” A challenge, Ramkissoon makes clear, that Trinidad and Tobago’s manufacturers are ready to meet.

Manufacturing and Retail Distribution

“Ultimately, reaching TT$10.6 billion in nonenergy exports will require more than individual company success. It will require a coordinated national effort that positions manufacturing as a central pillar of economic diversification, foreign-exchange generation, job creation, and longterm sustainable growth.”

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Courts Trinidad & Tobago at 35

Bringing Value Home Across Generations For more than three decades, Courts has occupied a unique place in the story of Trinidad and Tobago. Woven into family milestones, community celebrations and business ventures, the brand has helped realize the aspirations of hardworking people determined to build a better life.

Manufacturing and Retail Distribution

When Courts entered the local market in 1991, we recognized an opportunity to serve thousands of families who wanted the very best for their loved ones but struggled to access affordable lifestyle products. At the time, options were limited with layaway plans and restrictive hire purchase arrangements offering few practical solutions.

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Courts inspired possibility by making home goods more affordable and accessible through credit solutions designed for ordinary people. For many customers, that access proved transformational. A refrigerator, television or stove became far easier to attain. In time, generations of Trinbagonians came to associate the Courts name with opportunity and the dream of creating a comfortable home. The original Courts promise, “Adding Value Everyday”, reflected a simple but powerful mission. But as customer needs evolved, the brand embraced a new tagline “Bringing Value Home.” This change reflected an understanding that while earlier customers prioritized affordability and access, modern consumers demand convenience, technology, exceptional service and

products that complement their lifestyles. Surrendering to these expectations has shaped our company’s evolution.

brand – empowering ordinary citizens, and creating opportunities for individuals to be seen, valued, and inspired.

Driving Progress, Creating Possibilities Courts has consistently demonstrated a willingness to innovate by adopting new ways of connecting with customers. We were among the first local brands to embrace social media before expanding into e-commerce with the launch of courts. com. Digital credit applications followed streamlining the purchasing process and making approvals faster and more convenient.

This kind of community support has extended to sport, culture and community development through partnerships with the Courts All Sectors Netball League, Caledonia AIA Football Club, Caribbean Premier League and Cricket West Indies.

Yet even in an increasingly digital age, Courts has remained focused on personal relationships. With 18 stores nationwide and a commitment to finding talent within these communities, our team members know our customers intimately with some relationships spanning decades of trust. This people-first philosophy has guided our business decisions as well as our community outreach efforts. Building Stronger Communities Together The Courts Heroes initiative, launched in 2019, celebrated individuals making a positive difference through service, leadership and selflessness. Through storytelling and public engagement, everyday heroes were recognized for their impact. Like many of our other initiatives, Courts Heroes reflected the essence of the Courts

Between 2016-2018, we also partnered with the Machel Montano Foundation to support the revitalization of the local cocoa industry, benefiting communities across Trinidad and Tobago. But it is our relationship with Courts Sound Specialists of Laventille that has been uniquely special. Established one year after the brand entered the market, this partnership has endured for 34 years and remains a source of pride. Creating Impact Beyond the Campaign Beyond retail and community outreach, Courts’ influence has also helped shape the marketing landscape in Trinidad and Tobago. The 2005 “Courts Has Everything For You” campaign featuring Machel Montano remains one of our brand’s most iconic moments. Built around the energy of his hit song You, the campaign quickly became a regional success. The following year, Allison Hinds brought similar momentum with Roll It Gyal. Since then, we’ve collaborated with several of the Caribbean’s most recognizable personalities, including Kes, Destra Garcia and Olympian Jehue Gordon.

SHIVA MUNGAL Managing Director

SHARON MAHARAJ

Director – Consumer Finance

NISHA MARAJ-RAMROOPSINGH

NICOLE LUM KIN

KOFI TRIM

Financial Controller

Director – Commercial

Director – Sales

SHIVAN OJAH-MAHARAJ

KELLON CRAIG

ARVINASH MAHABIRSINGH

Director – Courts Business Solutions

Head of Optical

Director – Logistics & Distribution

With 18 stores nationwide and a commitment to finding talent within these communities, our team members know our customers intimately with some relationships spanning decades of trust.

Our marketing approach also became known for creating excitement on an unprecedented scale. Customers eagerly anticipated our big prize promotions featuring luxury vehicles, seven figure cash rewards, houses and seasonal giveaways like the notorious “ham & grog” promotion. More recently, Operation Home Transformation surprised deserving individuals with professionally designed home renovations, while the Thank God It’s a Sale (TGIS) campaign generated significant excitement, drawing customers to stores from the early hours of the morning.

SAIRA ALI-JENNINGS Director – Human Capital

EMERLEY SINGH

Head of Operations (Properties and Projects)

established the Caribbean’s largest retail space at the time, redefining the local shopping experience. The loss of the megastore warehouse in the 2008 fire represented one of the most challenging moments in the company’s history. However, in 2025, Courts Megastore was reimagined and reopened, reaffirming the company’s position as a leading retailer in the country. Expansion through locations such as Freeport and South Park further demonstrated our commitment to growth and service.

While large-scale promotions were not unique to Courts, few brands embraced them with the same consistency and enthusiasm. The result was a sense of excitement that turned shopping into a shared national experience.

The brand has also charted into new business areas, including Courts Optical, Courts Business Solutions (CBS), Courts Ready Finance, and Servitech. Courts Optical, launched in 2012, extended the brand into healthcare by making eye care and eyewear more accessible through flexible financing options while CBS took us into the world of business-to-business sales.

Reflecting on a Journey of Growth The company’s growth has also been marked by significant milestones. The opening of Courts Megastore in 1993

Looking Ahead with Purpose Looking ahead, Courts’ leadership envisions a future where digital convenience, and instore experiences work together seamlessly.

Customers may begin their journey online, but the experience of creating a home remains deeply personal. Testing furniture, comparing products and receiving expert advice continue to matter. As Courts celebrates 35 years in Trinidad and Tobago, our story remains one of growth, resilience, and purpose. The products have changed; technology continues to evolve and consumer expectations will do so also. What remains constant is the belief that every family deserves the opportunity to build a better quality of life. For 35 years, Courts has helped make that possible. And as we look toward the future, we remain committed to doing what we have always done best: bringing value home.

Unicomer (Trinidad) Ltd. #1 Calcutta Settlement #1, Freeport (868) 672-7577 Visit www.unicomergroup.com www.courts.com

Manufacturing and Retail Distribution

NIGUEL LEE YAW

Head of Technical Service

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Real Estate, Property Management and Security Services

Real Estate at a Crossroads:

Modernising T&T’s Property Market SALLY SINGH, President, Association of Real Estate Agents (AREA)

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eal estate has always reflected the confidence of a nation. Every home purchased, commercial development launched and investment secured represents more than a property transaction. It is a long-term vote of confidence in a country’s future. As Trinidad and Tobago enters a new phase of economic recovery and diversification, the real estate sector finds itself at an important crossroads. Strengthening regulation, modernising land administration, expanding affordable housing and embracing digital transformation are no longer isolated objectives. Together, they represent the foundation for a more transparent, efficient and resilient property market capable of supporting longterm national development. Sally Singh, President of the Association of Real Estate Agents (AREA), believes many of these building blocks are already in place. The next challenge is turning years of planning into meaningful execution.

From Volatility to Stability Over the past three decades, Trinidad and Tobago’s real estate market has closely mirrored the country’s wider economic fortunes. Energy prices, global financial conditions and domestic investment cycles have consistently influenced property demand, pricing and development activity. “The real estate market has always been cyclical,” states Singh. “Following the global financial crisis, residential property prices declined significantly before recovering, and the COVID-19 pandemic created another period of unprecedented disruption.” Today, the outlook is considerably more encouraging. While inflation, higher construction costs, and labour shortages continue to create challenges, stronger energy prices, new investment projects, and continued growth in the nonenergy economy are helping to rebuild confidence. As Trinidad and Tobago’s economy continues to diversify, the real estate sector is well positioned to benefit from renewed demand in residential, commercial, and industrial sectors.

By Kieran Andrew Khan Modernising the Rules of the Market For Singh, one of the industry’s greatest opportunities lies not in constructing more buildings, but in modernising the systems that govern them. The Real Estate Agents Act 2020 represents an important milestone towards raising professional standards, strengthening consumer protection and improving confidence across the sector. Although the legislation has yet to be proclaimed, AREA continues to work closely with the Government to refine elements of the Act and ensure its practical implementation reflects the operational realities of the industry. “The objective has always been a regulatory framework that promotes professionalism while remaining practical for those working within the sector,” Singh explains. She believes the successful implementation of the legislation, together with the phased registration and licensing of practitioners, will strengthen transparency, improve accountability and reinforce public confidence in real estate transactions. Creating a Smarter Property Ecosystem Modernisation extends well beyond regulation.

“Equally important is the creation of a fully integrated National Land Information System linking information held by the Valuation Division, the Registrar General’s Department and the Town and Country Planning Division.”

Trinidad and Tobago currently operates under both the traditional deedsbased Common Law system and the registered-title Torrens system. While both continue to function, Singh believes that gradually transitioning to a predominantly registered-title framework would significantly improve efficiency, reduce fraud, and provide greater certainty for buyers, sellers, and investors alike. Equally important is the creation of a fully integrated National Land Information System linking information held by the Valuation Division, the Registrar General’s Department and the Town and Country Planning Division.

“Much of the data already exists,” Singh notes. “The opportunity now is bringing those systems together into a single, modern platform.” A unified digital land information system would simplify transactions, improve planning, strengthen revenue collection and provide policymakers, developers and investors with more reliable information for decision-making. Bridging the Housing Gap While improving market efficiency remains essential, Singh believes growth must also be inclusive. Affordable housing continues to represent one of Trinidad and Tobago’s most pressing national priorities. Although Government initiatives supporting middle-income housing are encouraging, many lower-income households remain priced out of homeownership. Expanding supply will require stronger partnerships between Government and private developers, supported by targeted incentives such as tax concessions, infrastructure

support, faster planning approvals and financing mechanisms that reduce development costs. The recent introduction of the Landlord Business Surcharge also reflects a broader shift towards greater transparency and accountability within the rental market. While landlords and property managers continue adapting to the new requirements, the legislation is already encouraging higher levels of compliance and prompting many agents to expand their advisory services to assist clients with registration and ongoing administration.

of prime land following the relocation of industrial operations, also presents a rare opportunity to reshape the capital city through mixed-use developments, expanded tourism infrastructure and new commercial investment. Yet Singh believes the sector’s greatest opportunity lies not in any single project, but in creating conditions that allow investment to flourish consistently.

Shaping T&T’s Real Estate Future As the market evolves, Singh sees considerable opportunities for Trinidad and Tobago’s real estate sector over the next three to five years.

“The reforms already underway provide a clear pathway forward,” she reflects. “By modernising regulation, digitising land administration, expanding affordable housing and strengthening professional standards, Trinidad and Tobago can build a real estate market that is more transparent, more efficient and better prepared for future growth.”

Projected economic growth, major energy investments and continued diversification are expected to strengthen employment, household incomes and business confidence, creating favourable conditions for both residential and commercial property markets. Proposed waterfront redevelopment in Port of Spain, including the release of approximately 150 acres

Real estate has always been about more than land and buildings. At its best, it reflects confidence in people, institutions and the future itself. As Trinidad and Tobago continues to modernise the foundations of its property market, the sector is poised not only to unlock new investment opportunities but also to help shape a more competitive, resilient and prosperous nation.

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PROFESSIONALS COVERING THE REAL ESTATE INDUSTRY

LEADING the FUTURE of REAL ESTATE in TRINIDAD & TOBAGO Board of Directors (2025-2026) Front (L-R): Sally Singh (President); Devon Fergusson (Vice President); Maria Yung (Secretary) and Alana de Montbrun (Treasurer). Back (L-R): Alan Siu Kwan Hang; Jo-Ann Traboulay; Marisa Cipriani-Ortiz; Ravi Dolsingh and Miranda Mohammed-Roopchan

Meet the professionals entrusted with advancing real estate standards, fostering collaboration, and creating opportunities in a dynamic property market Discover more about our initiatives, and membership opportunities

area.tt.assoc@gmail.com

areatt.com

Real Estate, Property Management and Security Services

432-0366 or 469-2732

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Who’s Who In Trinidad & Tobago Business 2026-2027

Fast Facts GEOGRAPHY AND LOCATION Trinidad – Once part of the South American mainland, Trinidad is situated 12 km (7 miles) northeast of the coast of Venezuela, and is separated from it by the Gulf of Paria. Trinidad has three mountain ranges: the Northern Range, the Central Range and the Southern Range. The highest point, El Cerro del Aripo, is 940 metres (3,084 ft) above sea level. About 40% of all land is undeveloped forest and woodlands, although the island is experiencing rapid development. Trinidad’s Pitch Lake is the largest natural reservoir of asphalt. Total Area: 4,828 sq km (1,864 sq miles) 81.25 km long by 57-73 km wide (50 miles by 35-45 miles) Location: Lat. 10.5° N / Long. 61.5° W Tobago – Tobago lies 34 km (21 miles) northeast of Trinidad. Of volcanic origin, the island is a single mountain mass, with flat undulating coralline in the southwest region. The highest peak, the Main Ridge, reaches an elevation of about 576 metres (1,890 ft). The coastline is broken by inlets and sheltered beaches, and there are several uninhabited islets. Total Area: 300 sq km (116 sq miles) Location: Lat. 11.5° N / Long. 60.5° W CLIMATE Trinidad and Tobago has a tropical climate. Daytime temperatures average 31°C (87°F) and are moderated by the northeast trade winds, while nights are a cool 21°C (69°F). The islands have two distinct seasons: dry, from January to May, and wet, from June to December. There is a short dry period around midSeptember called Petit Carême. Trinidad and Tobago is just outside the usual path of hurricanes and other tropical storms, but Tobago can experience inclement weather as a result of such weather systems. TIME ZONE Greenwich Mean Time: Minus four hours In US Winter: Eastern Standard Time plus one hour (EST +1) In US Summer: Eastern Standard Time (EST) There is no daylight savings time. GOVERNMENT Trinidad and Tobago follows the Westminster model of government and upholds the traditions of parliamentary democracy it inherited from Britain. The Government is stable. The Head of State is the President, who is elected by an Electoral College of members of the Senate and House of Representatives for a five-year renewable term. Executive power, however, is vested in the Prime Minister and Government, following elections at least every five years. The most recent general election was held in April 2025, with the United National Congress (UNC) becoming the ruling party. Tobago has its own elected House of Assembly and its seat is in the capital city, Scarborough. https://www.ttconnect.gov.tt/ https://www.tha.gov.tt/ BANKING The financial system consists of commercial banks, trust and mortgage finance companies, finance houses and merchant banks. Number of Commercial Banks 8 Number of Automatic Banking Machines 496 https://batt.org.tt/banking-sector/ Standard Bank Hours of Operation City Centres: Monday to Thursday – 8 am to 2 pm Friday – 8 am to 1 pm & 3 pm to 5 pm RBC and Scotiabank (not mall branches) 8 am to 5 pm

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Shopping Centres (Daily): 10 am to 5 pm Exchange Rate: TT$6.78: US$1 (Aug 2026) MEETING PLACES AND CONFERENCE CENTRES Trinidad and Tobago is one of the top Caribbean meeting and conference destinations. Many hotels have facilities for conferences, including international brands such as the Courtyard by Marriott, Hilton Trinidad and Conference Centre, Hyatt Regency Trinidad and The BRIX, Autograph Collection. In addition, the state-of-theart National Academy for the Performing Arts (NAPA), South Academy for the Performing Arts (SAPA), awardwinning spots like Coco Reef, Magdalena Grand Beach & Golf Resort and Mount Irvine Bay Resort in Tobago are ideal for corporate meetings and team-building retreats. BUSINESS HOURS Offices: Monday to Friday 8:00 am to 4:30 pm Government Offices: Monday to Friday – 8:00 am to 4:00 pm (City Centres): Monday to Friday – 8:00 am to 4:30 pm; Saturday – 8:00 am to 1:00 pm Retail (Shopping Centres): Monday to Saturday – 10:00 am to 7:00 pm TELECOMMUNICATIONS Providers of landline and mobile telephone services are prevalent on both islands, and cable television and internet services are readily available. The more prominent agencies are Telecommunications Services of Trinidad and Tobago Limited (TSTT), Digicel (Trinidad and Tobago) Limited, Amplia Communications and Columbus Communications Trinidad Limited (Flow). With wide coverage throughout the islands, communication is generally easy and wireless internet services are commonplace at hotels, restaurants and other establishments. International Access Code: 1 Country Code:.................868 MEDIA There is a well-established network covering television, radio, print, electronic billboards and an increasingly strong digital presence. The two daily newspapers are the Trinidad Express and T&T Guardian. Top News and Media Websites: • Trinidad and Tobago Guardian • Trinidad Express • Wired868 • Breaking News T&T (FB) • C.C.N. Television Limited - CCNTV6 • Guardian Media Limited - CNC3 • TTT Limited • Online Radio Stations IMMIGRATION, WORK PERMITS AND VISAS For updated guidelines for travel to or from Trinidad and Tobago, visit the following websites: https://health.gov.tt/ and https://homelandsecurity.gov.tt/ Work permits are required for business stays beyond 30 days. Visa extensions can be obtained from the Immigration Office at 3-9 Richmond Street, Port of Spain, while work permits can be obtained from the Ministry of Homeland Security, Temple Court II, 52-60 Abercromby Street, Port of Spain. TRANSPORTATION Airports – Piarco International Airport is a vital hub for international air traffic in the Caribbean. It is located about 45 minutes from the capital city, Port of Spain and there are non-stop daily scheduled flights to and from major international cities.

Caribbean Airlines Limited (CAL), the national airline, offers routes that include direct flights to major cities: Fort Lauderdale, New York, Miami, Orlando and Toronto. CAL also flies regionally with regular flights to Antigua and Barbuda, Bahamas, Barbados, Caracas, Curaçao, Grenada, Guadeloupe, Jamaica, Guyana, Martinique, Saint Lucia, St Maarten, St. Vincent and Suriname. International and regional airlines that fly to Trinidad and Tobago include American Airlines, British Airways, United Airlines, KLM, JetBlue, and several charter flight companies. https://www.tntairports.com/ MAJOR AIRLINES Piarco Airport American Airlines.................................... (868) 821-6000 British Airways........................................ (800) 403-0882 Caribbean Airlines................................... (868) 625-7200 Copa Airlines............................................(868) 217-6080 Surinam Airways..................................... (868) 669-4770 United Airlines......................................... (800) 864-8331 JetBlue .................................................1 (800) 538-2583 ANR Robinson Airport Caribbean Airlines 1 (868) 625-7200 APPROXIMATE FLYING TIMES TO TRINIDAD AND TOBAGO London............................................................. 8.2 hours New York...........................................................4.5 hours Miami................................................................3.3 hours Houston............................................................5.3 hours Toronto..............................................................5.5 hours SEAPORTS Two ferries connect Port of Spain, Trinidad and Scarborough, Tobago. Scheduled sailing times are Monday to Sunday, and public holidays. For information, call: Port of Spain: 625-3055/623-9353 Extensions 215, 211 or 212 Scarborough: 467-5117 https://www.ttitferry.com/ Water Taxi Service A water taxi ferry connects Port of Spain and San Fernando. Scheduled sailing times are Monday to Friday. Tickets cost TT$15 one way and can be purchased at the Water Taxi Terminal located at Wrightson Road, Port of Spain or Flat Rock, Lady Hailes Avenue, San Fernando. Free parking is available at both ports. Departures from San Fernando: AM - 6:00 / 6:30 / 8:30 • PM - 3:30 Tel: 226-7900 Ext: 212, 211, 206 Departures from Port of Spain: AM - 7:15 • PM - 2:30 / 3:30 / 4:45 Tel: 226-7900, Ext: 102, 111 https://www.nidco.co.tt/watertaxiservice/ EMERGENCY CONTACTS Police/Rapid Response............................................. 999 Fire............................................................................ 990 Ambulance.................................................................811 Global Medical Response of Trinidad & Tobago (GMRTT) ...................... 811 / 628-2337 Coast Guard..................................................... 800-0707 The Office of Disaster Preparedness and Management (ODPM)............511, 800-ODPM / 800-6376 Tobago Emergency Management Agency (TEMA)........211 Port of Spain General Hospital......................... 623-2951 San Fernando General Hospital........................225-4325 Scarborough General Hospital............. 660-4SGH (4744) Roxborough Hospital, Tobago...........................660-4901

Who’s Who In Trinidad & Tobago Business 2026-2027

Regional and International Organisations ASSOCIATION OF CARIBBEAN STATES (ACS) Ambassador Noemí Espinoza Madrid Secretary-General 5-7 Sweet Briar Road, St. Clair, Port of Spain, Trinidad Tel: +1 (868) 622-9575 Email: mail@acs-aec.org Website: www.acs-aec.org CABI INTERNATIONAL (CABI) Naitram (Bob) Ramnanan Regional Representative and IAS Coordinator CABI Caribbean and Central America 59 Gordon Street, Curepe St. Augustine, Tunapuna 331323 Trinidad and Tobago Tel: +1 (868) 645-7628 / +1 (868) 713-9746 Email: n.ramnanan@cabi.org Website: www.cabi.org CARIBBEAN AGRICULTURAL RESEARCH AND DEVELOPMENT INSTITUTE (CARDI) Ansari Hosein Executive Director Frederick Hardy Building The University of the West Indies St. Augustine, Trinidad Tel: +1 (868) 645-1205-7 Fax: +1 (868) 645-1208 Email: executive@cardi.org / infocentre@cardi.org Website: www.cardi.org CARIBBEAN COMMUNITY IMPLEMENTATION AGENCY FOR CRIME AND SECURITY (CARICOM IMPACS) Lt. Col. Michael Jones Executive Director 19 Keate Street Port of Spain, Trinidad Tel: +1 (868) 235-5511 Email: secretariat@carimpacs.org Website: www.caricomimpacs.org CARIBBEAN COURT OF JUSTICE (CCJ) The Honourable Mr. Justice Winston Anderson President 19 Henry Street Port of Spain, Trinidad Tel: +1 (868) 612-5225 Email: info@ccj.org / ccjcomm@ccj.org Website: www.ccj.org CARIBBEAN COURT OF JUSTICE TRUST FUND (CCJTF) Dr. Linton A. Lewis Chairman 22 Cornelio Street, Woodbrook Port of Spain, Trinidad Tel: +1 (868) 625-8500 / +1 (868) 6258501 / +1 (868) 624-9641 Fax: +1 (868) 625-5608 Email: trustee@ccjtrustfund.org / dsmith@ccjtrustfund.org Website: www.ccj.org CARIBBEAN FINANCIAL ACTION TASK FORCE (CFATF) Dawne J. Spicer Executive Director Level 21, Nicholas Towers 63-65 Independence Square Port of Spain, Trinidad Tel: +1 (868) 623-9667 / +1 (868) 623-4888 Fax: +1 (868) 624-1297 Email: cfatf@cfatf.org Website: www.cfatf-gafic.org CARIBBEAN METEOROLOGICAL ORGANISATION (CMO) Dr. Arlene G. Laing Co-ordinating Director 27 O’Connor Street, Woodbrook Port of Spain, Trinidad Tel: +1 (868) 622-4711 / +1 (868) 622- 0277 Fax: +1 (868) 622-4711 Email: cmohq@cmo.org.tt / hqcmo.01@gmail.com Website: www.cmo.org.tt

CARIBBEAN PUBLIC HEALTH AGENCY (CARPHA) Dr. Lisa Indar Executive Director 16-18 Jamaica Boulevard Federation Park Newtown 190324 Trinidad Tel: +1 (868) 299-0820 / +1 (868) 299-0895 / +1 (868) 622-4261 Fax: +1 (868) 622-2792 Email: postmaster@carpha.org Website: www.carpha.org

REGIONAL JUDICIAL AND LEGAL SERVICES COMMISSION (RJLSC) The Honourable Mr. Justice Winston Anderson Chairman 2nd Floor, 134 Henry Street Port of Spain, Trinidad Tel: +1 (868) 612-5225 (Extensions: 2242, 2250, 2251) Direct +1 (868) 623-8376 Fax: +1 (868) 625-4004 Email: rjlsc@rjlsc.org Website: www.rjlsc.org

CARIBBEAN TELECOMMUNICATIONS UNION (CTU) Rodney Taylor Secretary General 4 Mary Street, St. Clair Port of Spain, Trinidad Tel: +1 (868) 622-5871 / +1 (868) 628-0281 Email: rodney.taylor@ctu.int / info@ctu.int Website: www.ctu.int

THE PAN AMERICAN HEALTH ORGANIZATION (PAHO) WORLD HEALTH ORGANIZATION Dr. Gabriel Vivas Francesconi Country Office in Trinidad and Tobago 2nd Floor, Ministry Of Health Building 4-6 Queens Park East Port Of Spain, Trinidad Tel: +1 (868) 612-2000 / +1 (868) 622-4202 Email: email@trt.paho.org Website: www.paho.org/en/trinidad-and-tobago

DEVELOPMENT BANK OF LATIN AMERICA (CAF) Bernardo Requena Director Representative 8th Floor Albion Plaza Energy Centre 22-24 Victoria Avenue Port of Spain, Trinidad Tel: +1 (868) 222-1540/1541 Email: trinidadandtobago@caf.com Website: www.caf.com FOOD AND AGRICULTURE ORGANIZATION OF THE UNITED NATIONS (FAO) Dr. Gillian Smith FAO Representative for Trinidad and Tobago and Suriname ad interim No.2 Serpentine Road St. Clair Port of Spain, Trinidad Tel: +1 (868) 299-0027 / +1 (868) 299-0029 / +1 (868) 299-0030 Email: FAO-TT@fao.org Website: www.fao.org INTER-AMERICAN DEVELOPMENT BANK (IADB) Julian Belgrave Country Representative 17 Alexander Street St. Clair Port of Spain, Trinidad Tel: +1 (868) 822-6400 / +1 (868) 822- 6421 Email: idbtrinidad@iadb.org Website: www.iadb.org/en/countries/trinidad-and-tobago INTER AMERICAN INSTITUTE FOR COOPERATION ON AGRICULTURE (IICA) Diana Francis Representative, Delegation in Trinidad and Tobago 59 Gordon Street, St. Augustine, Tunapuna 331323 P.O. Box 1318 Port of Spain, Trinidad Tel: +1 (868) 645-4555 Mobile: +1 (868) 797-6623 Email: diana.francis@iica.int / iica. tt@iica.int / iicatt@iica.int Website: www.iica.int INTERNATIONAL LABOUR ORGANISATION (ILO) Dr. Joni Musabayana Director Stanmore House, 6 Stanmore Avenue Port of Spain, Trinidad Tel: +1 (868) 623-7704 / +1 (868) 623- 7178 / +1 (868)625-0524 / +1 (868) 627-6304 Fax: +1(868) 627-8978 Email: ilocarib@ilo.org Website: https://www.ilo.org/ilo-caribbean ORGANIZATION OF AMERICAN STATES (OAS) TRINIDAD AND TOBAGO OFFICE (OASTT) Marina Piper Officer-in-Charge 15 Wainwright Street St. Clair, Trinidad Tel: +1 (868) 622-9272 / +1 (868) 622-0019 Email: oastrinidadandtobago@oas.org / mpiper@oas.org Website: www.oas.org

TRINIDAD AND TOBAGO NATIONAL COMMISSION FOR UNESCO Debra Lalloo Secretary General Ministry of Education Level 5, Tower A 5 St. Vincent Street Port of Spain, Trinidad Tel: +1 (868) 622-2181 Ext. 2220 Email: unesco.info@moe.gov.tt Website: www.unesco.org.tt UNITED NATIONS DEVELOPMENT PROGRAMME (UNDP) (TRINIDAD AND TOBAGO) Ugo Blanco UNDP Resident Representative UN House 3A Chancery Lane Port of Spain, Trinidad Tel: +1 (868) 623-7056 Fax: +1 (868) 623-1658 Email: registryTT@undp.org Website: https://www.undp.org/trinidad-and-tobago UNITED NATIONS ECONOMIC COMMISSION FOR LATIN AMERICA AND THE CARIBBEAN (ECLAC) Miosotis Rivas-Peña Director 1 Chancery Lane Port of Spain, Trinidad Tel: +1 (868) 224-8000 / 8080 Email: registry@eclac.org / spou-pos@eclac.org Website: www.cepal.org/en/headquarters-and-offices/ eclac-caribbean UNITED NATIONS INFORMATION CENTRE (UNIC) Liliana Garavito-Cañón Director 1st Floor, 1 Chancery Lane Port of Spain, Trinidad Tel: +1(868) 224-8012/15 Email: unic.portofspain@unic.org Website: www.caribbeanun.org United Nations Resident Coordinator Office (UNRCO) (TRINIDAD AND TOBAGO) Joanna Kazana UN Resident Coordinator in Trinidad and Tobago UN House 3A Chancery Lane Port of Spain, Trinidad Tel: +1 (868) 623-7056 / +1 (868) 6231826 / +1 (868) 372-0969 Fax: +1 (868) 623-1658 Email: rco.tt@un.org / registry.tt@undp.org Website: https://trinidadandtobago.un.org/en

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Honorary Consuls Accredited to The Republic of Trinidad and Tobago REPUBLIC OF AUSTRIA Karl Pilstl Honorary Consul Blue Haven, Bacolet Bay PO Box 8 Scarborough, Tobago Tel: (868) 660-7500 Email: kpilstl@yahoo.com

CZECH REPUBLIC Colin K. N. Baggan Honorary Consul c/o Crown Pharmacy 7 Saddle Road, San Juan 250708 Tel: (868) 638-3908 Email: colinbaggan@gmail.com

THE COMMONWEALTH OF THE BAHAMAS Dr. E. Monica Davis Honorary Consul TATIL Building, 11 Maraval Road, Newtown, Port of Spain PO Box 56 St. Vincent Street Port of Spain Tel: (868) 663-8986 Email: elainemonicadavis@ bahamas.gov.bs

KINGDOM OF DENMARK Ravi R. Dolsingh, LLB, PG, Dip, LPC Honorary Consul General Mansfield House, Mansfield Chambers 1st Floor, No. 24 Abercromby Street Port of Spain, Trinidad Tel: (868) 780-3772 Fax : (868) 627-8191 Email: rav@ravidolsingh.com

PEOPLE’S REPUBLIC OF BANGLADESH Razai Azard Rahaman Honorary Consul General 1 Shafik Drive, Cross Crossing San Fernando, Trinidad Tel: (868) 657-8425 Fax: (868) 652-7108 Email: azard_rahaman@ rahamutgroup.com PEOPLE’S REPUBLIC OF BANGLADESH Imtiaz Azard Rahaman Honorary Consul 2 Shafik Drive, Cross Crossing San Fernando, Trinidad Tel: (868) 657-2626 Fax: (868) 652-9377 Email: imtiaz_rahaman@ rahamutgroup.com BARBADOS Dr. Roosevelt S. Rock Honorary Consul 16 Jackson Street Curepe, Trinidad Tel: (868) 636-8696 Email: rooseveltrock@yahoo.com KINGDOM OF BELGIUM Paul Jay Williams Honorary Consul 2 Sixth Avenue Barataria, Trinidad Tel: (868) 674-1677 Fax: (868) 675-9831 Email: honoraryconsulbelgium@gmail.com BELIZE Thomas Chanona Honorary Consul 31-33 Warren and Smart Streets St. Augustine, Trinidad Tel: (868) 645-4062 Fax: (868) 645-4064 Email: tchanona@kee-chanona.com / admin@kee-chanona.com BOTSWANA Rubindra Debideen Honorary Consul 13 Cassia Drive Lady Chancellor Port of Spain, Trinidad Tel: (868) 680-2660 Email: boss@ultracoolgroup.com COSTA RICA Professor Sterling Frost Honorary Consulate 19C One Woodbrook Place Port of Spain, Trinidad Tel: (868) 781-6666 Email: costaricahctt@gmail.com

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REPUBLIC OF FINLAND Troy Garcia Honorary Consul 153 Eastern Main Road Barataria, Trinidad Tel: (868) 638-1277 Ext 240 Fax: (868) 674-2644 Email: tgarcia6@hotmail.com / officeadmin@partsworldlimited.com FEDERAL REPUBLIC OF GERMANY Frank Wünstel Person of Trust Academy of Jewelry & Art Bucco Point New Integrated Facility Bucco, Tobago Tel: (868) 313-1260 Email: info@ports.diplo.de GRENADA CONSULAR AND TRADE OFFICE Elwyn Mc Quilkin General Consul Grenada House 127 Henry Street Port of Spain, Trinidad Tel: (868) 625-9235 Fax: (868) 624-1257 Email: grenadaconsular@gmail.com CO-OPERATIVE REPUBLIC OF GUYANA Vonetta Victor Consul General (Ag) Wainwright Street, St. Clair Port of Spain, Trinidad Tel: (868) 622-2913 Email: consulartt@mission.gov.gy REPUBLIC OF INDONESIA Ian Anthony Honorary Consul Building 5, Christina Courts 33-35 Boissiere No. 1 Maraval, Trinidad Tel/Fax: (868) 628-4818 Email: ianthony@renavatio.net / ianpanthony@gmail.com STATE OF ISRAEL Barbara Malins-Smith Honorary Consul Tel: (868) 785-3054 Email: malinssmith@yahoo.com ITALY Mirko D’Alessio Honorary Consul 82 Mountainview Drive Maracas, St. Joseph Trinidad Tel: (868) 468-9431 Email: italconsultt@gmail.com REPUBLIC OF LATVIA Kirby Anthony Hosang Honorary Consul 112 Saddle Road Maraval, Trinidad Tel: (868) 653-1331 Mobile: (868) 678-8770 Fax: (868) 653-1331 Email: hosanganthony@gmail.com

LEBANESE REPUBLIC Amer G. Haidar Honorary Consul 7 Adam Smith Square Woodbrook, Trinidad Tel: (868) 782-4700 Email: aghaidar3@gmail.com MALTA John Hadad Honorary Consul HADCO Ltd. JRJ Warehousing Compound Bhagoutie Trace San Juan, Trinidad Tel: (868) 675-7628 Ext. 1201 Email: john.hadad@hadcoltd.com MOROCCO Mario Sabga-Aboud Honorary Consul 80 Lower Boundary Road San Juan, Trinidad Tel: (868) 225-5200 / 674-2697 Ext. 2258 Email: mario@pizzaboys.com NEW ZEALAND Joe Pires Honorary Consul 24 Garden Road Aranguez, Trinidad 280711 Tel: (868) 638-8802 Email:nzttconsul@gmail.com KINGDOM OF NORWAY Yuri Jardine Honorary Consul General Jardine House #10 French Street, Woodbrook Port of Spain, Trinidad Tel: (868) 684-6783 Email: yjardine@twinislandshipping.com ISLAMIC REPUBLIC OF PAKISTAN Amjad Ali Honorary Consul General LP16 Orange Grove Estate Tacarigua, Trinidad Tel: (868) 640-6595 Ext. 1002 Fax: (868) 640-8884 Email: amjad@adfoam.com REPUBLIC OF POLAND David Lewis Honorary Consul Lot 25 Frederick Settlement Industrial Estate Caroni, Trinidad Email: davidl@labelhouse.com REPUBLIC OF PORTUGAL William A. Ferreira Honorary Consul Furness House - Second Floor 90 Independence Square PO Box 283, Port of Spain, Trinidad Tel: (868) 625-1745 / 1131 Email: furness@furnessgroup.com SLOVAK REPUBLIC (SLOVAKIA) Lawrence S. Naipaul Honorary Consul Port Authority of Trinidad and Tobago Administration Building 1st Floor Dock Road Port of Spain, Trinidad Tel: (868) 625-6273 Email: lsnaipaul@msn.com SLOVENIA Om Lalla Honorary Consul c/o K R Lalla & Co. 9 St. Vincent Street Port of Spain, Trinidad Tel: (868) 625-5074 Fax: (868) 625-6110 Email: omlalla@krlalla.com

REPUBLIC OF SURINAME Jerome Khan Honorary Consul Villa 42, Spanish Villas 16 Foncette Road, Cascade Port of Spain, Trinidad Tel: (868) 680-7254 Email: jeromekhan.slm@gmail.com KINGDOM OF SWEDEN David O’ Brien Honorary Consul c/o Massy Motors Limited Lady Young Road, Morvant Trinidad Tel: (868) 674-4200 Ext. 1103 Email: david.obrien@massygroup.com KINGDOM OF SWEDEN Teija De Silva 13 Evergreens, Old Grange Mt. Irvine, Tobago Tel: 689-4006 THE SWISS CONFEDERATION Simone Gillette Honorary Consul 25 Queen’s Park West Port of Spain, Trinidad Tel: (868) 201-7947 Email: portspain@honrep.ch SYRIAN ARAB REPUBLIC Marwan Yousef Honorary Consul 15 Queen Street Arima, Trinidad Tel: (868) 667-3927 / 667-7019 Cell: (868) 680-2252 Fax: (868) 667-7019 Email: syrianconsolatect@gmail.com KINGDOM OF THAILAND Murray Thomas Williams Honorary Consul 16-24 Sixth Avenue Barataria, Trinidad and Tobago Tel: (868) 674-1600 ext 180 Email: honoraryconsulthailand@gmail.com REPUBLIC OF UGANDA Dr. Dinesh Mor Honorary Consul 70 Pembroke Street Port of Spain Trinidad Tel: (868) 625-4366 Email: dinesh12mor@gmail.com

Who’s Who In Trinidad & Tobago Business 2026-2027

Embassies and Diplomatic Missions APOSTOLIC NUNCIATURE His Excellency the Most Reverend Santiago De Wit Guzmán Titular Archbishop of Gabala Apostolic Nuncio 11 Mary Street, St. Clair Port of Spain, Trinidad Tel: (868) 622-5009 / 6359 Fax: (868) 222-9814 Email: apnuntt@googlemail.com

EMBASSY OF THE REPUBLIC OF CUBA His Excellency Gustavo Daniel Véliz Olivares Ambassador Extraordinary and Plenipotentiary 74 Elm Avenue, Bayshore Westmoorings, Trinidad Tel: (868) 633-3268 / 632-8691 Email: embajador@tt.embacuba.cu / consul@tt.embacuba.cu

EMBASSY OF THE ARGENTINE REPUBLIC His Excellency Gustavo Martínez Pandiani Ambassador Extraordinary and Plenipotentiary 4th Floor, Tatil Building 11 Maraval Road Port of Spain, Trinidad Tel: (868) 628-7557 / 7587 Fax: (868) 628-7544 Email: etrin@mrecic.gov.ar

EMBASSY OF THE DOMINICAN REPUBLIC Her Excellency Raquel Jacobo Jaar Ambassador Extraordinary and Plenipotentiary 11 Albion, Corner Dere & Albion Streets Port of Spain, Trinidad Tel: (868) 220-6955 Email: embadomtt@mirex.gov.do

HIGH COMMISSION FOR THE COMMONWEALTH OF AUSTRALIA Her Excellency Sonya Koppe High Commissioner 18 Herbert Street, St. Clair Port of Spain, Trinidad Tel: (868) 822-5450 / 235-7956 Email: ahc.portofspain@dfat.gov.au Website: trinidadandtobago. embassy.gov.au EMBASSY OF THE FEDERATIVE REPUBLIC OF BRAZIL Her Excellency Maria Elisa Teófilo de Luna Ambassador Extraordinary and Plenipotentiary 18 Sweet Briar Road, St. Clair Port of Spain, Trinidad Tel: (868) 622-5779 / 5771 Fax: (868) 622-4323 Email: brasemb.portspain@itamaraty.gov.br HIGH COMMISSION OF CANADA His Excellency Michael Ryan Callan High Commissioner 3-3A Sweet Briar Road, St. Clair Newtown 190131 Port of Spain, Trinidad Tel: (868) 622-6232 / 2582 Fax: (868) 628-2581 Email: pspan@international.gc.ca Website: canadainternational.gc.ca EMBASSY OF THE REPUBLIC OF CHILE His Excellency Hernán Núñez Montenegro Ambassador Extraordinary and Plenipotentiary 4 Alexandra Street, St. Clair Port of Spain, Trinidad Tel: (868) 628-0540 / 4763 Fax: (868) 622-9894 Email: echilett@minrel.gob.cl EMBASSY OF THE PEOPLE’S REPUBLIC OF CHINA His Excellency Ren Hongyan 76 Long Circular Road, Maraval, Trinidad Tel: (868) 622-1832 / 628-6417 Fax: (868) 622-7613 Email: chinaemb_tt@mfa.gov.cn Website: tt.china-embassy.org/eng EMBASSY OF THE REPUBLIC OF COLOMBIA His Excellency William Sidney Bush Howard Ambassador Extraordinary and Plenipotentiary 4th Floor, Newtown Centre 30-36 Maraval Road Port of Spain, Trinidad Tel: (868) 628-5656 / 222-2275 Email: etrinidadytobago@cancilleria.gov.co

DELEGATION OF THE EUROPEAN UNION TO TRINIDAD AND TOBAGO Her Excellency Cécile Tassin Ambassador Extraordinary and Plenipotentiary 5th Floor, 11 Queen’s Park East 101002, Port of Spain, Trinidad Tel: (868) 622-6628 / 235-6453 Fax: (868) 622-6355 Email: delegation-trinidad-andtobago-hod@eeas.europa.eu Website: https://www.eeas.europa.eu/ delegations/trinidad-and-tobago_en EMBASSY OF THE FRENCH REPUBLIC His Excellency Guillaume Pierre Ambassador Extraordinary and Plenipotentiary 7 Mary Street, St. Clair Port of Spain, Trinidad Tel: (868) 232-4808 Fax: (868) 628-2632 Email: info@ambafrance-tt.org Website: tt.ambafrance.org/-EnglishEMBASSY OF THE FEDERAL REPUBLIC OF GERMANY His Excellency Dr. Christophe Nicolas Eick 19 St. Clair Avenue, St. Clair 190125 Port of Spain, Trinidad Tel: (868) 628-1630 / 1632 Email: info@ports.diplo.de Website: port-of-spain.diplo.de/tt-en/embassy GRENADA TRADE AND ECONOMIC COMMISSIONER Mr. Elwyn Mc Quilkin Consul Officer Grenada House 127 Henry Street Port of Spain, Trinidad Tel: (868) 625-9235 Fax: (868) 624-1257 Email: grenadaconsular@gmail.com CONSULATE GENERAL OF THE COOPERATIVE REPUBLIC OF GUYANA Ms. Vonetta S. Victor Consul General (Ag) Wainwright Street,St. Clair Port of Spain, Trinidad Tel: (868) 622-2913 / 628-2616 / 628-2618 Email: ghctt@mission.gov.gy / CG (Ag.): vvictor@minfor.gov.gy HIGH COMMISSION FOR THE REPUBLIC OF INDIA His Excellency Dr. Pradeep Singh Rajpurohit High Commissioner 6 Victoria Avenue Port of Spain, Trinidad Tel: (868) 225-4340 Fax: (868) 225-4248 Email: hc.pospain@mea.gov.in Website: hcipos.gov.in

HIGH COMMISSION FOR JAMAICA Her Excellency Natalie Campbell-Rodriques High Commissioner 2 Newbold Street, St. Clair Port of Spain, Trinidad Tel: (868) 622-4995-7 Email: jhcpos@mfaft.gov.jm / consular-jhcpos@mfaft.gov.jm EMBASSY OF JAPAN His Excellency Dr. Akima Umezawa Ambassador Extraordinary and Plenipotentiary 5 Hayes Street, St. Clair Port of Spain, Trinidad Tel: (868) 628-5991 / 5993 Fax: (868) 622-0858 Email: embassyofjapan@po.mofa.go.jp Website: tt.emb-japan.go.jp EMBASSY OF THE REPUBLIC OF KOREA His Excellency Seijoong Kwon Ambassador Extraordinary and Plenipotentiary 36 Elizabeth Street, St. Clair Newtown 190103 Port of Spain, Trinidad Tel: (868) 622-9081 / 1069 Fax: (868) 628-8745 Email: koremb.tt@gmail.com / trinidad@mofa.go.kr Website: overseas.mofa.go.kr/tt-en/index.do EMBASSY OF THE KINGDOM OF THE NETHERLANDS His Excellency Cornelis Wilhelmus Hersbach Ambassador Extraordinary and Plenipotentiary 3rd Floor Trinre Building 69-71 Edward Street Port of Spain, Trinidad Tel: (868) 625-1722 / 625-2532 / 625-1210 Ext. 0210 Fax: (868) 625-1704 Email: por@minbuza.nl Website: https://netherlandsandyou.nl/ web/trinidad-and-tobago/about-us/ HIGH COMMISSION FOR THE FEDERAL REPUBLIC OF NIGERIA Mrs. Angye Ashumate Dankaro Chargé d’Affaires a.i. 3 Maxwell-Phillip Street, St. Clair Port of Spain, Trinidad Tel: (868) 622-6834 / 622-4002 Fax: (868) 622-7162 Email: nhc.nigtt@gmail.com EMBASSY OF THE REPUBLIC OF PANAMA His Excellency Diomedes Heraclio Carles Cleghorn Ambassador Extraordinary and Plenipotentiary 7 Ground Floor, Gray Street St. Clair, Port of Spain, Trinidad Tel: (868) 628-9956 / 628-9957 / 622-8992 Email: embpanamatyt@mire.gob.pa EMBASSY OF THE REPUBLIC OF PERU Her Excellency Claudia Giuliana Betalleluz Otiura Ambassador Extraordinary and Plenipotentiary 8-8A Stanmore Avenue Queen’s Park West Port of Spain, Trinidad Tel: (868) 221-8642 / 2939 Email: missiontt@embassyofperutt.net

EMBASSY OF THE KINGDOM OF SPAIN Her Excellency María Cristina Pérez Gutiérrez Ambassador Extraordinary and Plenipotentiary 7th Floor, Tatil Building 11 Maraval Road Newtown 190131 Port of Spain, Trinidad Tel: (868) 625-7938 / 628-2560 / 622-1151 Ext. 237 Fax: (868) 622-3032 Email: emb.puertoespana@maec.es / emb.puertoespana.vis@maec.es EMBASSY OF THE REPUBLIC OF TURKEY Her Excellency Ayşe Selcan Şanli Ambassador Extraordinary and Plenipotentiary 4 Scott Street, St. Clair Port of Spain, Trinidad Tel: (868) 609-3066 or (868) 609-3067 (During Office Hours 8:30 a.m. to 4:30 p.m.) (868) 390-7283 (After Hours) Email: embassy.portofspain@mfa.gov.tr HIGH COMMISSION FOR THE UNITED KINGDOM OF GREAT BRITAIN AND NORTHERN IRELAND His Excellency Jon Mark Dean High Commissioner 19 St Clair Avenue, St. Clair Newtown 190125 Port of Spain, Trinidad Tel: (868) 350-0444 Contact: https://www.contact.service.csd. fcdo.gov.uk/general-enquiries/find-embassy/ trinidad-and-tobago/ british-high-commission-port-of-spain/ online-enquiry Website: gov.uk/world/organisations/ british-high-commission-trinidad-and-tobago EMBASSY OF THE UNITED MEXICAN STATES His Excellency Victor Hugo Morales Meléndez Ambassador Extraordinary and Plenipotentiary 12 Hayes Street, St. Clair Port of Spain, Trinidad Tel: (868) 622-1422 Fax: (868) 628-8488 Email: embttobago@sre.gob.mx EMBASSY OF THE UNITED STATES OF AMERICA Dr. Jenifer Neidhart de Ortiz Chargé d’Affaires 15 Queen’s Park West Port of Spain, Trinidad Tel: (868) 622-6371 / 622-6376 Fax: (868) 822-5905 Email: POSExecutiveOffice@state.gov Website: tt.usembassy.gov/ THE EMBASSY OF THE BOLIVARIAN REPUBLIC OF VENEZUELA His Excellency Álvaro Enrique Sánchez Cordero 16 Victoria Avenue Port of Spain, Trinidad Tel: (868) 627-9821 / 627-9829 / 627-9824 Fax: (868) 624-2508 Email: embve.ttpsp@mppre.gob.ve / embve.ttpsp@gmail.com HIGH COMMISSION FOR THE REPUBLIC OF GHANA His Excellency William Anani-Abotsi High Commissioner Newtown Centre 30-34 Maraval Road Newtown 190133 Port of Spain Tel : (868) 235-0140 Email: portofspain.mission@mfa.gov.gh

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The Government of Trinidad and Tobago THE OFFICE OF THE PRESIDENT President’s House, Circular Road, St Ann’s, Port of Spain, Trinidad Tel: (868) 225-4687 Email: otp.mail@otp.gov.tt Website: https://otp.tt/ OFFICE OF THE PRIME MINISTER White Hall, No. 29 Maraval Road Queen’s Park West, Port of Spain, Trinidad Tel: (868) 622-0644 / 622-1625 Email: pmsec@opm.gov.tt Website: https://www.opm.gov.tt/ OFFICE OF THE PARLIAMENT Parliamentary Complex Cabildo Building St. Vincent Street, Port of Spain, Trinidad Tel: (868) 623-1434 / 623-1670 Fax: (868) 623-1432 Email: webmaster@ttparliament.org Website: http://www.ttparliament.org/

MINISTRY OF HOMELAND SECURITY Level 19-21, Tower C, International Waterfront Centre 1 Wrightson Rd., Port of Spain, Trinidad Tel: (868) 224-4667 Email: corpcomm@mhs.gov.tt Website: https://nationalsecurity.gov.tt/ MINISTRY OF HOUSING HDC Building, 44-46 South Quay Port of Spain, Trinidad Tel: (868) 623-4663 (Ext. 2171) / 624-1614 (Ext. 2146) Email: info@housing.gov.tt / grants@housing.gov.tt Website: http://www.housing.gov.tt/

MINISTRY OF AGRICULTURE, LAND AND FISHERIES Corner Narsaloo Ramaya Marg Road & Soogrim Street Chaguanas, Trinidad Tel: (868) 220-6253 Ext.4125 Email: malfminister@gov.tt Website: https://agriculture.gov.tt/

MINISTRY OF JUSTICE Level 11, AGLA Towers, Government Campus Plaza, Corner London and Richmond Streets Port of Spain, Trinidad Tel: (868) 223-2452 Ext.3548/3535 Email: MoJ.Communications@gov.tt Website: https://www.justice.gov.tt/

MINISTRY OF THE ATTORNEY GENERAL AND LEGAL AFFAIRS AGLA Tower, The Government Campus Plaza Corner London & Richmond Streets Port of Spain, Trinidad Tel: (868) 223-AGLA (2452) / 223-2452 Email: ag@ag.gov.tt or info@agla.gov.tt Website: https://agla.gov.tt/

MINISTRY OF LABOUR, SMALL AND MICRO-ENTERPRISE DEVELOPMENT Duke Place, 50–54 Duke Street Port of Spain, Trinidad Tel: (868) 625-8478 Ext. 1203 Email: labour-communications@gov.tt Website: www.labour.gov.tt

MINISTRY OF CULTURE AND COMMUNITY DEVELOPMENT Levels 8-10, Tower C, International Waterfront Complex, 1 A Wrightson Road Port of Spain Trinidad Tel: (868) 612-8853 Email: mccdinfo@gov.tt Website https://mccd.gov.tt/ MINISTRY OF DEFENCE Temple Court 31-33 Abercromby Street Port of Spain, Trinidad Tel: (868) 623-2441 / 623-5352 Ext. 1250/12234 Email: modcommunications@mod.gov.tt Website: https://www.defence.gov.tt/ MINISTRY OF EDUCATION Education Towers, Level 15 No. 5 St. Vincent Street, Port of Spain, Trinidad Tel: (868) 622-2181 Ext. 2423 / 2425 Email: info@moe.gov.tt Website: http://www.moe.edu.tt/ MINISTRY OF ENERGY AND ENERGY INDUSTRIES Levels 15 & 22-26, Tower C International Waterfront Centre 1 Wrightson Road, Port of Spain, Trinidad Tel: (868) 225-4334 / 626-6334, 623-6708 Fax: (868) 225-5764 Email: info@energy.gov.tt Website: https://www.energy.gov.tt/ MINISTRY OF FINANCE Eric Williams Financial Complex, Independence Square, Port of Spain, Trinidad Tel: (868) 627-5633 / 612-9700 Email: comm.finance@gov.tt Website: https://www.finance.gov.tt/ MINISTRY OF FOREIGN AND CARICOM AFFAIRS 2 Prada Street St. Clair, 190325, Port of Spain, Trinidad Tel: (868) 623-6894 / 285-5029 Fax: (868) 623-5853 Email: website@foreign.gov.tt Website: https://foreign.gov.tt/

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MINISTRY OF HEALTH 4-6 Queen’s Park East Port of Spain, Trinidad Tel: (868) 217-4664 Ext. 17505/17506 Email: cmo@health.gov.tt / psmoh@health. gov.tt / ministersecretariat@health.gov.tt Website: http://www.health.gov.tt/

MINISTRY OF PLANNING, ECONOMIC AFFAIRS AND DEVELOPMENT Level 14, Eric Williams Financial Complex Independence Square, Port of Spain, Trinidad Tel: (868) 612-3000 Ext. 2015/2016 Email: communications.planning@gov.tt / complaints@planning.gov.tt Website: https://www.planning.gov.tt/ MINISTRY OF PUBLIC ADMINISTRATION AND ARTIFICIAL INTELLIGENCE Levels 5-7, NALIS Building 23 Abercromby Street Port of Spain, Trinidad Tel: (868) 623-4724 Email: MPAAICommunications@gov.tt Website: https://mpaai.gov.tt/ MINISTRY OF PUBLIC UTILITIES One Alexandra Place, 1 Alexander Street St. Clair, Newtown, Port of Spain 190129, Trinidad Tel: (868) 628-9500 Ext.6303 Fax: (868) 628-0105 Email: customerservices@mpu.gov.tt / recruitment@mpu.gov.tt Website: https://www.mpu.gov.tt/ MINISTRY OF THE PEOPLE, SOCIAL DEVELOPMENT AND FAMILY SERVICES Colonial Life Financial Building 39-43 St. Vincent Street, Port of Spain, Trinidad Tel: (868) 623-2608 Toll-Free Hotline: 800-1673 (800-1MSD) Email: info@social.gov.tt Website: https://www.social.gov.tt/ MINISTRY OF RURAL DEVELOPMENT AND LOCAL GOVERNMENT Kent House, Long Circular Road, Maraval Port of Spain, Trinidad Tel: (868) 628-1323 ext 3300 / 3260 Email: localgovminister@gov.tt Website: https://rdlg.gov.tt/

MINISTRY OF SPORT AND YOUTH AFFAIRS Level 20, Nicholas Tower 63-65 Independence Square Port of Spain, Trinidad Tel: (868) 612-9367 Email: info.msya@gov.tt MINISTRY OF TERTIARY EDUCATION AND SKILLS TRAINING Education Towers 5 St. Vincent Street Port of Spain, Trinidad Tel: (868) 622-2181 Email: mtestcommunications@gov.tt Website: https://mtest.gov.tt/ MINISTRY OF TRADE, INVESTMENT & TOURISM Level 17, Nicholas Towers 63-65 Independence Square Port of Spain, Trinidad Tel: (868) 623-2931-4 Email: mti-info@gov.tt Website: https://tradeind.gov.tt/ MINISTRY OF TRANSPORT AND CIVIL AVIATION 2 - 4 London Street, Port-of-Spain, 100623, Trinidad Tel: (868) 625-1225/9 Email: info@mtca.gov.tt Website: https://mtca.gov.tt/ MINISTRY OF WORKS AND INFRASTRUCTURE Head Office 2-4 London Street Port-of-Spain 100623, Trinidad Tel: (868) 625-1225 Fax: (868) 625-8070 Email: communications@mowt.gov.tt Website: http://www.mowt.gov.tt/

Who’s Who In Trinidad & Tobago Business 2026-2027

Trinidad and Tobago Missions Abroad EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO TO THE KINGDOM OF BELGIUM AND MISSION TO THE EUROPEAN UNION His Excellency Colin Connelly, Ambassador Extraordinary and Plenipotentiary of the Republic of Trinidad and Tobago Address: Avenue de La Faisanderie 14 B-1150 Brussels, Belgium Country: Kingdom of Belgium Tel: 011-322-762-9400 / 011-322-762-9415 Facsimile: 011-322-772-2783 E-mail: infobrussels@foreign.gov.tt Website: https://foreign.gov.tt/embbrussels EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, BRASILIA, BRAZIL His Excellency Gerard Greene, Ambassador for the Republic of Trinidad and Tobago to the Federative Republic of Brazil Address: SHIS QL 02 Conjunto 02, Casa 01 Lago Sul, CEP: 71665-028 Brasilia D.F., Brazil Country: Brazil Phone: (011)-5561-3365-3466 / (011)-5561-3365-3525 / (011)-5561-3365-1132 Fax: 011-+55 61 3365-1733 Email: trinbagoemb@gmail.com CONSULATE GENERAL OF THE REPUBLIC OF TRINIDAD AND TOBAGO, TORONTO, CANADA Ms. Simone Young, Consul General Address: 185 Sheppard Avenue West Toronto, Ontario M2N 1M9 Country: Canada Phone: 1 (416) 495-9442-3 Fax: 1 (416) 495-6934 Email: cgtoronto@foreign.gov.tt Website: https://foreign.gov.tt/cgtoronto HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, OTTAWA, CANADA His Excellency Dennis Moses High Commissioner for the Republic of Trinidad and Tobago to Canada Address: 200 First Avenue Ottawa, Ontario Canada K1S 2G6 Country: Canada Phone: 1 (613) 232-2418/9 Fax: 1 (613) 232-4349 Email: hcottawa@foreign.gov.tt Website: https://foreign.gov.tt/hcottawa EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, BEIJING, CHINA Mr. Dwayne Thompson, Chargé d’Affaires a.i. Address: Villa 04-03, Section C Liang Ma Qiao Diplomatic Compound No. 7 Bei Xiao Jie, Liang Ma Qiao Chaoyang District, Beijing 100600 Country: China Phone: (8610) 8532 3432 Fax: (8610) 8532 1410 Email: embbeijing@foreign.gov.tt (General queries) embbeijingimmigration@foreign.gov.tt (Immigration matters) embbeijingconsular@foreign.gov.tt (Consular matters)

EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, SAN JOSÉ, COSTA RICA Mrs. Anesa Ali-Rodriguez, Chargé d’Affaires, a.i. Address: Edificio Torre La Sabana Segundo Piso Del ICE 300 metros Oeste y 25 Norte Sabana Norte, San José Country: Costa Rica Phone: (011) 506-2231-0809 / +506 2231-1762 Fax: (011) 506-2231-1244 Email: embttsanjose@foreign.gov.tt Website: https://foreign.gov.tt/embsanjose

HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, ABUJA, NIGERIA Ms. Odette Peterson-Thomas, Chargé d’Affaires a.i. Republic of Trinidad and Tobago to Abuja, Nigeria Address: 7 Casablanca Street (Off Nairobi Street, Off Aminu Kano Crescent), Wuse II, Abuja, F.C.T. Country: Nigeria Phone: 011-234-9-461-1118/ 9-870-2438 Email: hcabuja@foreign.gov.tt Website: https://foreign.gov.tt/hcabuja

EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, CUBA Ms. Cindy Shivani Maharaj, Chargé d’Affaires, a.i. Address: 5TA Avenida No. 6603 Entre 66 Y 68 Miramar, Playa Ciudad de la Havana, Cuba Country: Cuba Phone: 011 537-207-9603 / 011-537-207-9604 Email: embhavana@foreign.gov.tt / ttmissionscuba@gmail.com Website: https://foreign.gov.tt/embhavana

EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, PANAMA CITY, PANAMA Mr. Jerome C. Joseph Chargé d’Affaires a.i. Address: Hi-Point Offices Building Floors 22 & 23 Avenida Federico Boyd y Calle 51 Bella Vista, Panama City Country: Panama P.O. Box 0832-00835 Tel: + 507 388-5800/5801 Email: embttpanama@foreign.gov.tt Website: https://foreign.gov.tt/embpanama

HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, GEORGETOWN, GUYANA Mrs. Candice Shade, Chargé d’ Affaires a.i. Address: Lot 21 Peter Rose and Lamaha Streets Queenstown Georgetown Country: Cooperative Republic of Guyana Phone: +592 223-2740 / 223-6672 Email: hcgeorgetown@foreign.gov.tt Website: https://foreign.gov.tt/hcgeorgetown

HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, PRETORIA, SOUTH AFRICA Mr. Kirk Francois, Chargé d’Affaires a.i. Address: 258 Lawley Street Waterkloof Pretoria, 0181 Country: South Africa Phone: +27 (0)12-460-9688 Email: hcpretoria@foreign.gov.tt N.B.: For all consular related enquires please use the following Email: hcpretoriaconsular@foreign.gov.tt Website: https://foreign.gov.tt/hcpretoria

HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, NEW DELHI, INDIA His Excellency Chandradath Singh, High Commissioner for the Republic of Trinidad and Tobago to New Delhi, India Address: B-3/26, Vasant Vihar New Delhi, 110057 Country: India Phone: 011-9111-4600-7500 Fax: 011-9111-4600-7505 Email Addresses: hcttndinfo@foreign.gov.tt (Information & General Enquiries) hcttndconsular@foreign.gov.tt (Consular & Visa Information) Website: https://www.foreign. gov.tt/hcnewdelhi HIGH COMMISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO, KINGSTON, JAMAICA Her Excellency Deborah Thomas-Felix, High Commissioner for the Republic of Trinidad and Tobago to Kingston Jamaica Address: 25 Windsor Avenue Kingston 5 Country: Jamaica Phone: 1 (876) 926-5507 / 926-5508 Fax: 1(876) 926-5509 Email: hckingston@foreign.gov.tt Website: https://foreign.gov.tt/hckingston

PERMANENT MISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO TO THE UNITED NATIONS, GENEVA, SWITZERLAND Ms. Allison St. Brice, Chargé d’Affaires a.i. Address: 37-39 Rue de Vermont 1202 Geneva Country: Switzerland Phone: (011) 4122-918-0380 / (011) 4122-918-0390 Fax: 011-4122-734-9138 / 011-4122-734-8826 Email: prungeneva@foreign.gov.tt Website: https://foreign.gov.tt/prungeneva HIGH COMMISSION FOR THE REPUBLIC OF TRINIDAD AND TOBAGO TO THE UNITED KINGDOM OF GREAT BRITAIN AND NORTHERN IRELAND Ms.Urvashi Ramnarine, Chargé d’Affaires a.i. Address: 42 Belgrave Square London SW1X 8NT United Kingdom Phone: +44-20-7245-9351 Email: hclondon@foreign.gov.tt Website: https://foreign.gov.tt/hclondon

CONSULATE GENERAL OF THE REPUBLIC OF TRINIDAD AND TOBAGO, MIAMI, UNITED STATES Mr. Bruce Lai, Consul General Address: 1000 Brickell Avenue Suite 800 Miami, FL 33131-3047 Country: United States Phone: 1 (305) 374-2199 Fax: 1 (305) 374-3199 Email: consulatemiami@foreign.gov.tt Website: https://foreign.gov.tt/cgmiami CONSULATE GENERAL FOR THE REPUBLIC OF TRINIDAD AND TOBAGO, NEW YORK, UNITED STATES Ms. Mary A. Tang Yew, Acting Consul General Address: 125 Maiden Lane, 4th Floor New York, N.Y. 10038 Country: United States Phone: 1 (212) 682-7272 Fax: 1 (212) 232-0368 Email: cgnyconsulateinfo@foreign.gov.tt Website: https://foreign.gov.tt/cgnewyork EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, WASHINGTON D.C., UNITED STATES PERMANENT MISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO TO THE ORGANIZATION OF AMERICAN STATES Mrs. Saschele Griffith, Chargé d’ Affaires a.i. Address: 1708 Massachusetts Avenue N.W. Washington D.C. 20036-1975 Country: United States Phone: 1-202-467-6490/3 Fax: 1-202-785-3130 Email: embdcinfo@foreign.gov.tt Website: https://www.foreign. gov.tt/embwashington PERMANENT MISSION OF THE REPUBLIC OF TRINIDAD AND TOBAGO TO THE UNITED NATIONS, NEW YORK, UNITED STATES His Excellency Dr. Neil Parsan, Ambassador/Extraordinary and Plenipotentiary/Permanent Representative the Republic of Trinidad and Tobago to the United Nations, New York, United States of America Address: 633 Third Avenue 12th Floor New York, N.Y., 10017 Country: United States Phone: 1-212-697-7620 Direct Line: 1-646-589-8202 Fax: 1-212-682-3580 Email: prunny@foreign.gov. tt or pmun-ny@trinbago.org Website: https://foreign.gov.tt/prunnewyork EMBASSY OF THE REPUBLIC OF TRINIDAD AND TOBAGO, CARACAS, VENEZUELA Mr. Dayne-Marc Chin Slick, Chargé d’ Affaires a.i. Address: No. 22-12 Quinta Poshika, 3ra Avenida Entre 6a y 7a Transversales, Altamira Municipio Autónomo Chacao de Estado Miranda, Caracas Country: Venezuela Tel: 011-58-212-261-3748 / 011-58-212-261-5796 / 011-58-212-261-4772 Fax: 011-58-212-261-9801 Email: embassytt@gmail.com / embcaracas@foreign.gov.tt Website: https://foreign.gov.tt/embcaracas

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Who’s Who In Trinidad & Tobago Business 2026-2027

Index by Company 1 On 1 Realty Limited................................................................ 125 Advance Commercial Equipment Limited.................................... 71 Aegis Business Solutions ........................................................... 67 Agostini Insurance Brokers Limited (AIB).................................... 102 Airports Authority of Trinidad and Tobago..................................... 28 All Networks .............................................................................. 99 Amaranth Business Solutions Limited......................................... 99 Amazon Web Services (AWS)...................................................... 94 AMPLIA Communications Limited............................................... 96 Amsha Engineering Limited......................................................... 58 Andersen .................................................................................. 50 Aon.......................................................................................... 107 Aspire Fund Management .......................................................... 50 Association of Real Estate Agents (AREA)........................... 122, 125 B.L.I.S.S. Safety Store................................................................. 76 Bankers Association of Trinidad and Tobago (BATT)............ 18, 34, 52 Bayshore Finance..................................................................... 112 Beacon Insurance Company Limited......................................... 103 Belgroves Funeral Home Company Limited.................................. 72 Benca Process & Engineering Solutions Limited........................... 58 Bextronics Limited...................................................................... 61 bmobile....................................................................................... 7 Broadview Surveillance Systems Limited................................... 124 Capital Signal Company Limited................................................. 83 Cardea Benefits Limited........................................................... 104 Cargo Consolidators Agency Limited........................................... 33 Caribbean Finance Company Limited.......................................... 47 Caribbean Resourcing Solutions................................................. 67 CIBC Caribbean......................................................................... 42 CIC Insurance Brokers Limited.................................................. 113 College of Science, Technology & Applied Arts of Trinidad & Tobago (COSTAATT)...............................................62, 64 Core Trinidad Limited.................................................................. 69 Courts Trinidad & Tobago.......................................................1, 118 CSA Ocean Sciences ................................................................. 91 E-Finance & Development.....................................................29, 43 Eastman & Associates Limited.................................................... 68 Eltina’s Distributors Limited........................................................ 88 Equilibrium Environmental Services Limited................................ 88 Eve Anderson Recruitment Limited ........................................63, 67 Export – Import Bank of Trinidad & Tobago Limited (EXIMBANK)..... 44 Funds International Limited........................................................ 51 Furness Group of Companies................................................... 105 GAC Caribbean...................................................Inside Front Cover Gallagher Insurance Brokers..................................................... 106 Genesis Insurance Brokers & Benefits Consultants Limited........ 107 GISCAD Group Limited..........................................................92, 97 Guardian Group....................................................................36, 37 Health City Cayman Islands.............................. Outside Back Cover HHSL Safety Systems Limited..................................................... 77 Homework Design Studio........................................................... 56 HRIZONS................................................................................... 70 Institute of Banking and Finance of Trinidad and Tobago (IBF)....... 51 Intelligent System Design Company (SWiFTrack).......................... 31 Island Finance Trinidad & Tobago Limited.................................... 45 KCL Capital Market Brokers Limited........................................52, 53 LH Group..........................................................................116, 117 Liberty Business......................................................................... 94 Liberty Caribbean (FLOW)................................................ 93, 94, 95 Lifestyle Motors Limited.........................................................29, 43 London Caribbean..................................................................... 73

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LSA Healthcare Services Limited................................................. 88 M&M Insurance Broking Services Limited....................................... 5 Marine Consultants (Trinidad) Limited......................................... 78 Medcorp Limited / Medcorp St. Clair Medical / Medcorp Goodhealth...................................................... 86, 89, 91 MegaBrite Industries Limited......................................................... 3 NAGICO Insurances ......................................................... 100, 108 NESC Technical Institute............................................................. 65 O.J.’s Electrical & Instrumentation Services Limited...................... 59 Office Authority........................................................................ 121 Offshore Innovators.................................................................... 79 Pan-American Life Insurance Group (PALIG).................................. 9 Prolas ....................................................................................... 59 Prolas Homes............................................................................ 59 Raphael Teeluck Financial Legacy Services Limited.................... 109 Regency Recruitment & Resources ............................................. 68 RelyOn....................................................................................... 80 Renew Star Serpentine Limited................................................... 87 Republic Bank Limited...........................................................38, 39 S&S Persad Group of Companies.............................................. 120 S&S Persad Supermarket.......................................................... 120 Scotiabank Trinidad & Tobago Limited....................................40, 41 Share Dignity Foundation............................................................ 88 Sixt Trinidad & Tobago................................................................. 30 Solis Credit.............................................................................. 112 Southern Sales & Service Mobility (SSS Mobility).......................... 31 Southern Sales and Service Company Limited........................27, 31 SWF&Co / Sandra Welch-Farrell & Company............................... 69 Sygma Environmental................................................................. 89 Telecommunications Authority of Trinidad and Tobago (TATT)........ 98 Telecommunications Services of Trinidad and Tobago (TSTT).......... 7 The CCA Group.......................................................................... 33 The Chaguanas Chamber of Industry and Commerce (CCIC)....... 17 The Human Resource Management Association of Trinidad and Tobago (HRMATT)................................................................. 21 The Institute of Chartered Accountants of Trinidad and Tobago (ICATT)................................................................24, 25 The National Insurance Property Development Company Limited (NIPDEC)...................................................54, 57 The New India Assurance Company (Trinidad & Tobago) Limited.................................................................................... 110 The Pouch Company................................................................ 117 The Power Generation Company of Trinidad and Tobago Limited (Powergen)......................................................... 81 The Supermarket Association of Trinidad and Tobago (SATT)......... 16 The Trinidad Building & Loan Association (TBLA).......................... 52 The University of the West Indies, St. Augustine Campus (UWI)..... 66 Trinidad & Tobago Special Economic Zones Authority (TTSEZA).... 73 Trinidad and Tobago Fair Trading Commission (TTFTC).................. 22 Trinidad and Tobago Group of Professional Associations Limited (TTGPA)...................................................................................... 21 Trinidad and Tobago Mortgage Bank (TTMB)................................. 49 Trinidad and Tobago Police Credit Union (TTPCU)......................... 48 Trinidad and Tobago Unit Trust Corporation (UTC)........................ 46 Trinidad Project Management Services Limited (TPMSL)............... 83 Tropical Express Couriers ........................................................... 33 Unicomer (Trinidad) Limited...................................................... 119 Unicomer Group...................................................................... 118 United Way Trinidad and Tobago (UWTT)...................................... 23 Universal Insurance Brokers Limited.......................................... 111